by Noelle Kauffman, Director of Sales
(CA License No: 0H45598)
NOVEMBER HIGHLIGHT
A City Employee’s Story: A Wake-Up Call
The Importance of Disability Insurance*
Michael’s journey is a stark illustration of life’s unpredictability and the critical need for preparedness in the face of unforeseen events. As a steadfast public service employee, Michael was dedicated to maintaining the City’s infrastructure until an unexpected accident resulted in a permanent back injury. This abrupt change not only ended his career but also plunged his family into financial turmoil.
Despite receiving partial benefits from his employer, these were insufficient to cover the living expenses and growing bills. His wife, Sarah, had to take on additional work to help make ends meet, but the financial burden continued to mount. The stress of unpaid bills and the fear of losing their home took a significant emotional toll, making it even more challenging for Michael to concentrate on his recovery and adjust to his new circumstances.
Michael’s situation powerfully highlights the essential need for comprehensive long-term disability insurance. Without adequate coverage, the family’s financial future was left in jeopardy, underscoring the importance of a robust safety net in times of crisis. This is where The Club’s Long-Term Disability (LTD) Insurance provides a crucial solution, offering a lifeline and peace of mind for employees and their families.
- Income Protection During Critical Times: The Club’s LTD plan ensures up to 70 percent of your salary is available when you’re unable to work due to injury or illness. This reliable income stream helps families like Michael’s avoid depleting their savings or retirement funds, thus protecting their long-term financial health.
- Extensive Coverage: The Club’s LTD insurance addresses a broad spectrum of circumstances, from injuries to chronic illnesses, including partial disabilities. This comprehensive protection gives you confidence that, no matter what happens, your family’s financial security is safeguarded.
- Affordable and Simple: With group-rate premiums and automatic payroll deductions, this coverage is both economical and easy to integrate into your financial planning. Additionally, receiving tax-free benefits adds further value to the plan.
- Ensuring Family Security: Protecting your family is a priority, and the Club’s LTD insurance helps maintain financial stability during challenging times, preventing the emotional and financial distress that families like Michael’s experience.
Michael’s experience is not just a cautionary tale but a compelling reminder of the harsh realities faced without adequate preparation for a sudden income loss due to disability. The Club’s LTD insurance is more than just an expense; it is an investment in your future, offering the security needed to focus on recovery and what truly matters.
Don’t wait for the unexpected. Consider the Club’s LTD insurance today to protect your financial stability and ensure peace of mind for you and your loved ones.
*Disclaimer: The narrative of Michael’s story is a fictional depiction crafted for illustrative purposes only. Any resemblance to actual persons, living or deceased, or actual events is entirely coincidental. This cautionary tale is intended to highlight the importance of comprehensive long-term disability insurance and is not based on any real-life scenarios. Please consult with a licensed insurance professional for advice tailored to your specific circumstances.
For more information and to apply, reach out to info@employeesclub.com.
For RETIREES OR Those About to Retire
The Club is here to guide you through the retirement planning process every step of the way!
If you plan to retire soon or are newly Retired, you have access to attend a retirement planning party with Club Retiree Specialist Counselors that will set you up for success in retirement.
We will be reviewing topics including pension deduction, Retiree Life Insurance, Retiree Legal Insurance, the Club’s Retiree Mentorship Program, our Retiree Recognition Awards, and other valuable Club benefits.
The Club strives to make your transfer from active to Retired as easy as possible by guiding you through the processes; educating you on new, important topics; and welcoming you to our Club Retiree Community.
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Attend a Retirement Planning Party!
Meet Your Club Counselors!
Protect Yourself and Your Family with These Benefits Available Through the Club:
- Life Insurance: Take the burden off your loved ones
- Critical Illness and Cancer Insurance: Provide financial security
- Accident Insurance: Ensure your peace of mind
- MetLife Legal Insurance: Access legal help when you need it
- Pet Insurance: Cover your furry friend’s health
Update your benefits and get all of your questions answered by booking a one on
one or group presentation appointment with your colleagues at your job site.
Email help@employeesclub.com to request a Counselor visit today!
LACEA Insurance Services, Inc. (Employees Club of California) is a licensed insurance agency offering insurance benefits to qualified Club members. The Club’s CA DOI Lic. is #0B98000.
