Disability and Long Term Care Insurance

· 48% of housing foreclosures are due to a disability.*

· 50% of Americans will become disabled during their working career.*

· Your ability to earn an income is your Most Valuable asset.*

The State Bar of California has approved three Disability Income Insurance Plans to benefit State Bar members and employees. They include an individual Disability Income Plan, a Business Overhead Expense Plan, and a Group Long Term Disability Plan, as described below.

Approved Disability Income Plan  -- This individual disability insurance policy is available to eligible State Bar members residing in California. This is a guaranteed renewable plan that can provide up to $10,000 in monthly benefits to eligible members. Several choices of elimination and benefit periods are available.

Approved Business Overhead Expense Plan -- This disability insurance policy will reimburse a Bar member up to $15,000 of eligible monthly business expenses. It is available to State Bar members practicing and residing in California.

Individual Disability Income Insurance Plans of the State Bar of California are underwritten by Union Central Life Insurance Company of Cincinnati, OH, a national leader in underwriting disability insurance programs. They are marketed and serviced through the agency of  David White & Associates, California License No. 0504164.

Group Long Term Disability Plans  -- Group disability insurance will cover both members and their employees. Some plans are available for firms with as few as two employees and are also available through David White & Associates.

Please call 800-548-2671 x 2664 or visit http://www.calbardi.com for more information.

Long Term Care Insurance  Why it's Important for you and your family-

Visit http://www.calbarltci.com for more information on the
State Bar of California approved Long Term Care Insurance plans.

*Source:
1985 Commissions Disability Tables; definition of disablility is 90 days or more.