Southern Keystone Services
Disability Insurance



Protect Your Employee's Income & Financial Future

"One in three people will experience a disabling impairment
for at least 90 days prior to age 65. Of those with disabilities
that last at least 90 days, the average disability will last for
an additional 5.5 years."

Do you have sufficient disability to protect your future?

Only 28 percent of working Americans have long term disability.
Sixty percent of American working people are grossly underinsured.

What happens if I'm disabled without enough insurance?

37% of all US bankruptcies are caused by a disabling injury or illness.

Will you continue to have medical coverage if your disabled?

Sixty two percent of the people who are disabled don't have enough
disability insurance to allow them to pay for their healthcare coverage.
                                                                                                                              
                      
  
We can work with you to determine the best plan
and how much coverage you will need if your disabled

We will only recommend highly rated top carrier companies. We offer DI from:
Sixteen of the largest Disability carriers:
  • Allstate
  • UNUM
  • North American
  • Illinois Mutual
  • And many others              


When you are covered by Workman's Compensation; we offer
voluntary disability coverage that still pays 50% of employee's on-the-
job cash benefits over and above your WC benefits.

We offer plans that cover time off for child birth.

Tailoring key employee plans to a company's needs is one of our
many specialties.  

We will structure your plan to protect employees against paying unwarranted
income taxes on your disability benefits.
Cancer Coverage
can be included

*Health Insurance  
doesn't cover it all

*If Your Family has a
history of cancer   
you may need it

*Its benefits are    
paid directly to you

*Individual or Family
coverage

*Benefits paid in   
addition to other
coverage

*You will need
extended care

*Additional benefits  
will be needed for
all of the additional
treatments

Cancer calls for well
planned advanced
treatment.
Our team can
customize your
insurance plan to
match your
company's needs
and objectives