{"id":191,"date":"2020-05-18T20:53:20","date_gmt":"2020-05-18T20:53:20","guid":{"rendered":"http:\/\/pvainsurancegroup.com\/agent\/vincent-desantis\/?p=191"},"modified":"2020-05-18T20:53:20","modified_gmt":"2020-05-18T20:53:20","slug":"disability-insurance-who-needs-it","status":"publish","type":"post","link":"https:\/\/pvainsurancegroup.com\/agent\/vincent-desantis\/disability-insurance-who-needs-it\/","title":{"rendered":"Disability Insurance Who needs it?"},"content":{"rendered":"<h2>Who Needs It?<\/h2>\n<h3>Simply put, if you have a job, you most likely need disability insurance. The possibility of a disabling illness or injury may seem remote, but statistics say otherwise.<\/h3>\n<p>You actually have a three in 10 chance of suffering a disability that keeps you out of work for 90 days or longer at some point during your working career.<sup>\u00a0\u00a0<\/sup>And keep in mind that 90% of disabilities are caused by illnesses not accidents.<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p style=\"text-align: center;\"><div class=\"su-youtube su-u-responsive-media-no\"><iframe width=\"600\" height=\"334\" src=\"https:\/\/www.youtube.com\/embed\/XYVmjhWYG-U?\" frameborder=\"0\" allowfullscreen allow=\"autoplay; encrypted-media; picture-in-picture\" title=\"\"><\/iframe><\/div>\n<p style=\"text-align: center;\">\n<p>Most of us have some kind of personal debt, such as a mortgage or credit card bills. Would you be able to maintain your standard of living if you were too ill or injured to work for an extended length of time? Plus, a disabling injury or illness could lead to medical bills, modifications to your car or home or other unforeseen needs that can be quite expensive.<\/p>\n<p>You also have to think long term. How much do you earn in a year and what would that be over a lifetime.\u00a0<b>A 25-year-old worker who makes $50,000 a year and suffers a permanent disability could lose $3.8 million in future earnings.<\/b><\/p>\n<p>For all these reasons, almost anyone who works\u2014whether they\u2019re single, married, with children or without\u2014should consider disability insurance.<\/p>\n<h6>1\u00a0The Real Risk of Disability in the United States, Milliman Inc., on behalf of the LIFE Foundation, May 2007<br \/>\n2\u00a0The Council for Disability Awareness, Long-Term Disability Claims Review, 2010<\/h6>\n<p>&nbsp;<\/p>\n<p style=\"text-align: center;\"><a href=\"https:\/\/lifehappens.org\/insurance-overview\/disability-insurance\/calculate-your-needs\/\" target=\"_blank\"><img loading=\"lazy\" class=\"alignnone wp-image-192 size-full\" src=\"http:\/\/pvainsurancegroup.com\/agent\/vincent-desantis\/wp-content\/uploads\/sites\/7\/2020\/05\/DICalc.png\" alt=\"DICalc\" width=\"779\" height=\"244\" srcset=\"https:\/\/pvainsurancegroup.com\/agent\/vincent-desantis\/wp-content\/uploads\/sites\/7\/2020\/05\/DICalc.png 779w, https:\/\/pvainsurancegroup.com\/agent\/vincent-desantis\/wp-content\/uploads\/sites\/7\/2020\/05\/DICalc-300x94.png 300w\" sizes=\"(max-width: 779px) 100vw, 779px\" \/><\/a><\/p>\n<p style=\"text-align: left;\">\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p style=\"text-align: center;\"><strong>Vincent De Santis, CLTC<\/strong><br \/>\nLong Term Care Planning Specialist<br \/>\nNY State Partnership Certified<br \/>\n<a href=\"https:\/\/rockachee1.od1.vtiger.com\/shorturl.php?id=5e026531c5b873.79276857&amp;rid=C71005&amp;redirurl=http%3A%2F%2Fwww.ltcsolutionsbyvince.com%2F&amp;type=click&amp;redirtxt=http%3A%2F%2Fwww.ltcsolutionsbyvince.com&amp;rv=58d98969d768726180ac9d621d4b5b5b\">http:\/\/www.ltcsolutionsbyvince.com<\/a><br \/>\n<a href=\"https:\/\/rockachee1.od1.vtiger.com\/shorturl.php?id=5e026531c5b873.79276857&amp;rid=C71005&amp;redirurl=http%3A%2F%2Fwww.linkedin.com%2Fin%2Fvincedesantis&amp;type=click&amp;redirtxt=http%3A%2F%2Fwww.linkedin.com%2Fin%2Fvincedesantis&amp;rv=6716938635b01a38406d8724f07478f6\">http:\/\/www.linkedin.com\/in\/vincedesantis<br \/>\nDeSantis.puravida@gmail.com<br \/>\n<\/a><\/p>\n<p style=\"text-align: center;\"><strong>516-652-4944<\/strong><\/p>\n<p style=\"text-align: center;\"><a class=\"thickbox no_icon\" href=\"http:\/\/pvainsurancegroup.com\/agent\/vincent-desantis\/wp-content\/uploads\/sites\/7\/2015\/07\/Vince-Pic.jpg\" rel=\"gallery-116\"><img loading=\"lazy\" class=\"alignnone size-medium wp-image-50\" src=\"http:\/\/pvainsurancegroup.com\/agent\/vincent-desantis\/wp-content\/uploads\/sites\/7\/2015\/07\/Vince-Pic-232x300.jpg\" alt=\"Vince Pic\" width=\"232\" height=\"300\" srcset=\"https:\/\/pvainsurancegroup.com\/agent\/vincent-desantis\/wp-content\/uploads\/sites\/7\/2015\/07\/Vince-Pic-232x300.jpg 232w, https:\/\/pvainsurancegroup.com\/agent\/vincent-desantis\/wp-content\/uploads\/sites\/7\/2015\/07\/Vince-Pic.jpg 336w\" sizes=\"(max-width: 232px) 100vw, 232px\" \/><\/a><\/p>\n<p><img loading=\"lazy\" class=\"alignnone size-full wp-image-59 aligncenter\" src=\"http:\/\/pvainsurancegroup.com\/agent\/vincent-desantis\/wp-content\/uploads\/sites\/7\/2015\/07\/National-Ethics-Association.png\" alt=\"national-ethics-association\" width=\"321\" height=\"132\" srcset=\"https:\/\/pvainsurancegroup.com\/agent\/vincent-desantis\/wp-content\/uploads\/sites\/7\/2015\/07\/National-Ethics-Association.png 321w, https:\/\/pvainsurancegroup.com\/agent\/vincent-desantis\/wp-content\/uploads\/sites\/7\/2015\/07\/National-Ethics-Association-300x123.png 300w\" sizes=\"(max-width: 321px) 100vw, 321px\" \/><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Who Needs It? Simply put, if you have a job, you most likely need disability insurance. The possibility of a disabling illness or injury may seem remote, but statistics say otherwise. You actually have a three in 10 chance of suffering a disability that keeps you out of work for 90 days or longer at [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":193,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[3],"tags":[],"_links":{"self":[{"href":"https:\/\/pvainsurancegroup.com\/agent\/vincent-desantis\/wp-json\/wp\/v2\/posts\/191"}],"collection":[{"href":"https:\/\/pvainsurancegroup.com\/agent\/vincent-desantis\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/pvainsurancegroup.com\/agent\/vincent-desantis\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/pvainsurancegroup.com\/agent\/vincent-desantis\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/pvainsurancegroup.com\/agent\/vincent-desantis\/wp-json\/wp\/v2\/comments?post=191"}],"version-history":[{"count":1,"href":"https:\/\/pvainsurancegroup.com\/agent\/vincent-desantis\/wp-json\/wp\/v2\/posts\/191\/revisions"}],"predecessor-version":[{"id":194,"href":"https:\/\/pvainsurancegroup.com\/agent\/vincent-desantis\/wp-json\/wp\/v2\/posts\/191\/revisions\/194"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/pvainsurancegroup.com\/agent\/vincent-desantis\/wp-json\/wp\/v2\/media\/193"}],"wp:attachment":[{"href":"https:\/\/pvainsurancegroup.com\/agent\/vincent-desantis\/wp-json\/wp\/v2\/media?parent=191"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/pvainsurancegroup.com\/agent\/vincent-desantis\/wp-json\/wp\/v2\/categories?post=191"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/pvainsurancegroup.com\/agent\/vincent-desantis\/wp-json\/wp\/v2\/tags?post=191"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}