John Ryan

It is. It's very hard to get. Social Security usually favors the person that is leased from well-off, I should say. So typically white collar employees and owners are going to be last in line when it comes to qualifying for those kinds of benefits. They usually take care of the less well-off first is typically how that works.

It is. It's very hard to get. Social Security usually favors the person that is leased from well-off, I should say. So typically white collar employees and owners are going to be last in line when it comes to qualifying for those kinds of benefits. They usually take care of the less well-off first is typically how that works.

And as far as the employer policy, it will offset for benefits that are received from social security. But since it's such a rare occurrence, there usually is not an offset.

And as far as the employer policy, it will offset for benefits that are received from social security. But since it's such a rare occurrence, there usually is not an offset.

And as far as the employer policy, it will offset for benefits that are received from social security. But since it's such a rare occurrence, there usually is not an offset.

No, it does not. It is only effective when you work for your employer. And usually the work requirement is at least a 30 hour work week. If you leave your employer, you almost always lose your coverage. Hopefully you're going to work for another employer that has similar coverage.

No, it does not. It is only effective when you work for your employer. And usually the work requirement is at least a 30 hour work week. If you leave your employer, you almost always lose your coverage. Hopefully you're going to work for another employer that has similar coverage.

No, it does not. It is only effective when you work for your employer. And usually the work requirement is at least a 30 hour work week. If you leave your employer, you almost always lose your coverage. Hopefully you're going to work for another employer that has similar coverage.

But the lack of portability is also a reason why many will buy an individual privately owned policy as a supplement to the employer plan. And those policies are portable and can be added to.

But the lack of portability is also a reason why many will buy an individual privately owned policy as a supplement to the employer plan. And those policies are portable and can be added to.

But the lack of portability is also a reason why many will buy an individual privately owned policy as a supplement to the employer plan. And those policies are portable and can be added to.

It's almost always underwritten. One of the beauties of employer plans, and we really like employer plans, is that it's usually no questions asked. It's a guaranteed issue. As soon as you become employed, you go down to the human resources office and sign a few papers and you're covered immediately. Now there is a preexisting conditions clause, but there's no exam, no lab work, no medicals.

It's almost always underwritten. One of the beauties of employer plans, and we really like employer plans, is that it's usually no questions asked. It's a guaranteed issue. As soon as you become employed, you go down to the human resources office and sign a few papers and you're covered immediately. Now there is a preexisting conditions clause, but there's no exam, no lab work, no medicals.

It's almost always underwritten. One of the beauties of employer plans, and we really like employer plans, is that it's usually no questions asked. It's a guaranteed issue. As soon as you become employed, you go down to the human resources office and sign a few papers and you're covered immediately. Now there is a preexisting conditions clause, but there's no exam, no lab work, no medicals.

Within individual policy, it's fully underwritten. So there'll be a formal application. They may request medical records. They may send a nurse to your home or your work to do your lab work. There's a medication search that they do. The underwriting for individual disability insurance is the most rigorous there is when it comes to buying a policy like this.

Within individual policy, it's fully underwritten. So there'll be a formal application. They may request medical records. They may send a nurse to your home or your work to do your lab work. There's a medication search that they do. The underwriting for individual disability insurance is the most rigorous there is when it comes to buying a policy like this.

Within individual policy, it's fully underwritten. So there'll be a formal application. They may request medical records. They may send a nurse to your home or your work to do your lab work. There's a medication search that they do. The underwriting for individual disability insurance is the most rigorous there is when it comes to buying a policy like this.

Yes.

Yes.

Yes.