Long-Term Disability Insurance
Income Replacement
This comprehensive insurance provides income replacement in the event you become disabled due to
illness or injury. A disability can have a devastating financial effect by hindering your ability to make a
living. While some may be able to live off their savings for a few months, few can afford to stop working
for an extended period of time.
Underestimating the risk of becoming disabled – 64% of wage-earning Americans felt they had less than
a 2% chance of becoming disabled for 3 months or longer. The reality is that they have almost a 30%
chance.
“Only older workers become disabled” – There are over 2,500,000 disabled workers aged 20-49.
“If I become disabled, it’ll likely be due to a work-related injury and I’ll be covered by Worker’s
Compensation” – Less than 10% of disability claims are the result of workplace injuries. The other 90%
are due to illness or accidents outside the workplace and therefore not covered by Worker’s Compensation.
“If Worker’s Compensation doesn’t cover me, I can always get Social security Disability Insurance”
– During 2024, only 32% of SSDI claims were approved and the average monthly payment was $1,542.
That benefit may also be taxable!
“My savings can cover me while I’m out on disability” – The average long-term disability lasts 2 ½
years. 1-in-7 will be disabled more than 5 years. Only about 1-in-4 Americans has $1000 in savings. 72%
of Americans live paycheck-to-paycheck. Disability causes nearly 50% of all mortgage foreclosures and
bankruptcies.
Protect yourself and your family with this insurance specifically designed for CAPT members.
- Cash Payment of 60% of your
- Pre-Tax Salary.
- Benefits Paid Until You Are Back at Work or Retired.
- 24-Hour Coverage for Injury or Illness
- Partial & Total Disability Protection.
- Short 90 Day Elimination Period.
- $10,000 of Term Life Insurance & AD&D Included
| Annual Salary | Age 18–30 | Age 30–34 | Age 35–39 | Age 40–44 | Age 45–49 | Age 50–54 | Age 55–59 | Age 60+ |
|---|---|---|---|---|---|---|---|---|
| Under 30,000 | $20 | $26 | $39 | $40 | $44 | $55 | $61 | $69 |
| 30,001–35,000 | $23 | $30 | $44 | $46 | $50 | $63 | $69 | $78 |
| 35,001–40,000 | $26 | $34 | $50 | $52 | $56 | $70 | $77 | $86 |
| 40,001–45,000 | $29 | $38 | $56 | $58 | $62 | $78 | $85 | $94 |
| 45,001–50,000 | $32 | $42 | $62 | $64 | $69 | $86 | $93 | $102 |
| 50,001–55,000 | $35 | $46 | $67 | $70 | $75 | $93 | $101 | $111 |
| 55,001–60,000 | $38 | $50 | $73 | $76 | $81 | $101 | $109 | $119 |
| 60,001–65,000 | $41 | $54 | $79 | $82 | $88 | $108 | $117 | $127 |
| 65,001–70,000 | $44 | $58 | $85 | $88 | $94 | $116 | $125 | $136 |
| 70,001–75,000 | $47 | $62 | $90 | $94 | $100 | $124 | $133 | $144 |
| 75,001–80,000 | $50 | $66 | $96 | $100 | $107 | $131 | $141 | $152 |
| 80,001–85,000 | $53 | $70 | $102 | $106 | $113 | $139 | $149 | $161 |
| 85,001–90,000 | $56 | $74 | $108 | $112 | $119 | $146 | $157 | $169 |
| 90,001–95,000 | $59 | $78 | $113 | $118 | $126 | $154 | $165 | $177 |
| 95,001–100,000 | $62 | $81 | $119 | $124 | $132 | $162 | $173 | $185 |