Thrivent Financial for Lutherans - Insurance - Disability Income Insurance

Insurance > Disability Income Insurance > Chances for Earned Income Loss

Chances for Earned Income Loss

What are your chances for long-term* loss of earned income?

Many people think a disability is something that happens to someone else—that it won't ever touch their own lives. The truth is, your chance of becoming disabled may be greater than you think. All it takes is an illness or accident.

Facts often speak louder than words.
Consider:

One in three working Americans will become disabled for 90 days or more before age 65.¹
Of those those one in three that become disabled for 90 days or more, 10% will be disabled for five years or more.¹
People with disabilities are almost 3 times as likely as people without disabilities to live in poverty.²

¹ 1985 Commissioner's Individual Disability Table A.
² Key Findings: 2000 N.O.D./Harris Survey of Americans with Disabilities, July 10, 2002

How long is too long?
Becoming disabled is one concern. The length of your disability is another. What if you couldn't work for months—or worse yet, years? You'd still need to pay monthly bills, such as house and car payments, health insurance, utilities and food. And what about tuition payments and retirement funding? It's easy to see how savings could suddenly evaporate.

Average length of disability¹
At Age	Probability of Disability	Average Duration
25	1 in 3	2.2 years
35	1 in 3	3.2 years
45	1 in 3	4.1 years
55	1 in 5	4.6 years
Combined Average =		3.1 years

¹ 1985 Comissioner's Individual Disability Table A. (Most recent data available.)

Regardless of your age, disability for any length of time can mean a loss of your ability to earn an income. This loss can have a tremendous impact on your lifestyle.

Your financial representative with Thrivent Financial for Lutherans can help
Contact your financial representative with Thrivent Financial for Lutherans for more information about Thrivent Financial's disability income insurance. He or she can provide you with costs, complete details of coverage, exclusions, reduction of benefits, and terms under which the contract may be continued in force or discontinued.

Product features may not be available in all states and may vary by age and occupation class.

* Long-term loss is defined as a disability lasting 90 days or longer.

Contract Forms: #12124, #12125, ID12124, ID12125, TX12124, TX12125

20348WD R4-04

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