Disability Insurance. Secure Your Paycheck. Protect Your Lifestyle. You protect your home, your car and your possessions with insurance. But do you safeguard your income? If you weren't able to work, even for a short time, could you make the mortgage or car payment? Put food on the table? Continue to send your children to college? A disabling injury or illness can put you at a financial loss. Although most people don't think an unexpected illness or accident will happen to them, consider this: Three out of every 10 workers will experience an accident or illness that keeps them out of work for 3 months or longer.1 Forty-three percent of all 40-year-olds will suffer a disability for at least 90 days prior to age 65.2 More than half of all personal bankruptcies and mortgage foreclosures are due to disability. 3 Fortunately, there is something you can do to help protect your income and your lifestyle - make disability insurance part of your overall financial plan. Disability insurance pays a portion of your salary when you're disabled due to a non-work-related injury or illness for a pre-determined period of time - usually available as short-term and/or long-term coverage. Rely on CIGNA, a top provider of disability insurance. With a mission to help to help the people we serve improve their health, well-being and security, CIGNA Group Insurance is one of the top five providers in disability management and insurance. We offer short- and long-term disability insurance plans, with valuable programs like vocational rehabilitation and employee assistance services. We focus on helping members return to a productive work life as quickly and safely as possible - and it shows in our numbers. In 2007, CIGNA provided coverage to more than five million people, paid out more than $605 million in valuable claim benefits and helped 195,000 individuals handle a disabling event. As a leader in disability insurance for more than 40 years, CIGNA is your top choice for disability insurance. We have the tools, resources and programs to help protect your income - and your lifestyle - over the short and long term.

Read Ashley's story featured in Newsweek Disability Consumer Education Kit Disability Prevention and Wellness Employer/Broker Resources Click on the icon below to view a video message from U.S. Paralympian April Holmes.

• "Secure your paycheck. Protect your lifestyle." – What you need to know about disability insurance. (PDF 125k )
• Disability Income Needs Calculator - Think you don't need disability insurance? Use this calculator to find out.
• Diane's Story - See why having disability coverage was so important in helping Diane pay her bills and return to work. (Video 33.1MB)
• Short-Term Disability Insurance - Watch and listen to the benefits of having short-term disability (STD) coverage. (Flash 1.2MB)
• Long-Term Disability Insurance - Watch and listen to the benefits of having long-term disability (LTD) coverage. (Flash 1.3MB)
• Vocational Rehabilitation Services - Find out how CIGNA helps disabled employees return to work with specialized services. (PDF 61k)
• STD Coverage at a Glance - Learn how CIGNA's STD coverage works for you.
• LTD Coverage at a Glance - Learn how CIGNA's LTD coverage works for you.
• Claim Status Information - Learn how to obtain claim status information online via myCIGNA.com (PDF 114k )
• Disability Insurance Claim Tips (PDF 35k )

• Interactive Health & Money Tools – Tools and resources from CIGNA to help you stay physically and mentally healthy reduce your risk of disability.
• Preparing for Unexpected Situations – Help reduce the chances of accidents and emergencies. Find out what to do if one occurs.
• Learn about Diseases & Conditions - Resources and information to help you better understand and manage common diseases and conditions.

• Managers' Disability Toolkit^SM - CIGNA's one-of a kind resource to help managers understand their role in the return-to-work process.
• Physicians' Disability Toolkit^SM - Resource for physicians treating disabled employees to help facilitate return to work.
• CIGNA's Disability Plans - Overview of the coverages and services CIGNA offers to help employers and their employees.
• Real Life Disability Stories - Spotlighting people who relied on CIGNA for income protection and help in returning to work. (PDF 96k)
• CIGNA's Disability Management Solutions Brochure - CIGNA's disability claim model improves productivity through proactive return-to-work management. (PDF 235k)
• Academy by CIGNA Producer Continuing Education Program - Take advantage of our menu of CE credit courses to learn more about disability. (PDF 80k)
• CIGNA Return-to-Work Consulting - Learn how this program can be an effective tool to shorten disability durations and reduce lost time costs. (PDF 96.3k)
• CIGNA's Employee Assistance Program (EAP) Portfolio Portfolio - Learn how employees can improve health and productivity through our EAP programs. (PDF 201k )
• Online Disability Claim Status Flyer - Learn how employees can access their disability claims status and payment information via myCIGNA.com. (PDF 193k )
• Disability Insurance Fact Sheet - Share this flyer with your employees. (PDF 125k)
• Payroll Insert - Include this stuffer with your employees' paychecks. (PDF 32k)
• Informational Text - Insert this copy into a company newsletter or place on an intranet site. (PDF 25k)
• Helping Employers Understand What Disability Benefits Can Offer - This California Broker magazine article explores the benefits of disability insurance and gives employers examples of what to look for when considering a group disability plan.

Source:
¹ - America's Health Insurance Plans, 2004
² - 2005 Field Guide to Estate Planning, Donald Cady
³ - Health Affairs, the Policy Journal of the Health Sphere, February 2, 2005