During one s working career, there are often financial and family commitments which must be maintained. In the event of a disability, one is unable to work and income is at risk. Some employers offer some sort of combination of short and long term disability as part of their employee benefits package, but other employers include or offer less coverage. In many cases the coverage offered by group plans is very poor and many employees don t realize how poor it is until they become disabled. We offer a no obligation benefit review to employers and employees so they can understand exactly what coverage they have. Those who are self employed usually have no group coverage option and generally need some type of protection. &&- Bill DeWinter BA (Econ) Certified Financial Planner KW Area: 1.519.880.8171 Toll Free: 1.888.665.7534 London: 1.519.264.9988 &&&&&&- DeWinter Financial Founded in 1995 CFP Since 2000 P.O. Box 781 Mt. Brydges ON Canada N0L 1W0 && &&There are only four companies in Canada offering non-cancelable individual disability insurance. Each company has various products and each one is better for certain cases. At DeWinter Financial we deal with all four companies so we can survey the entire market and save you time and hassle in finding you the best plan at the best price. Those who are self-employed may need some protection for such eventualities. As for most protection, be sure you understand what you need, and what you are buying. Who would pay the bills if you were laid up? Your family may be well protected by insurance on your life, but would they be exposed to financial hardship if you were unable to work? It s a risk you shouldn t ignore. There are 3.3 million disabled Canadians; just a few are children. Almost 1.8 million of the disabled are between the ages of 14 and 64. For most, the condition interferes with the kind and amount of work they re able to do. You may find it hard to believe that you could be felled by an illness or an accident, but a third of all people now aged 35 will be unable to work for at least six months before reaching age 65. The chances that you ll suffer rather than die before retirement are close to three to one. Getting a handle on protection can be frustrating. In terms of life insurance, if you die, you collect, and if you don t, you don t. But what constitutes a condition? It s complicated by definitions, exclusions, occupational classifications, and a raft of options. When you re looking for protection, you have to know what the policy means by the term "disability." This is the policy s definition," and you should Read it carefully. There are three common definitions of disability: "Own occupation" or "regular occupation". Thus, a sales agent with an own occupation policy who developed a mental disorder that impaired his ability to deal with the public would be considered disabled, even if he was working full time in some other job. These policies are well suited to those occupations that demand special education or experience and are sensitive to even minor health problems.
DeWinter Financial is Mount Brydges-based company (Ontario, Canada) with a phone number 5192649988. Our data show that the company is located at the address: PO Box 781 2257 Gore St RR 4. The company has a web site: www.dewinterfinancial.com.
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