Alysia father was an emergency room physician before he was diagnosed with and aneurysm. Luckily, he had purchased disability insurance years before.  Unable to perform the duties of his job, he became a professor at a near by university.  The insurance has supplemented his income so the family has been able to maintain their lifestyle.

As the founder and owner of one of the largest concrete construction companies in the San Diego area, Rick Matthews was a man used to doing things on his own. Because he'd seen his father's health fail with no disability coverage to protect his income, he decided to purchase a policy for himself. Years later, Rick suffered a medical crisis that cost him both his legs, which activated his disability coverage. Rick opted for a lump-sum payment that helped him maintain his family's lifestyle and keep their home in the community they loved.

At age 39, Larry Prier, a senior executive for a major corporation, was diagnosed with Parkinson's disease. His quickly deteriorating condition left him unable to work, but disability insurance helped his family maintain their lifestyle. Tragedy struck again when Larry fell down a flight of stairs and suffered a serious brain injury. Disability insurance helped Larry's family provide him with additional care, and enabled them to continue planning for the future.

Barry Shore, a 55-year-old real estate executive, was enjoying a normal life when a rare neurological disorder struck suddenly, causing him to lose all movement in his body. Throughout his ordeal, money is one thing Barry and his family haven’t worried about thanks to smart insurance planning. Disability insurance payments have replaced more than half of Barry’s income. And long-term care insurance has provided more than enough to pay for in-home care as well as physical, occupational and water therapy.

A series of strokes ended Jerry Sullivan's working life and left him feeling as if he was in a dream, unable to wake up. But disability insurance kept that dream from turning into a financial nightmare. Though unable to work, Jerry still gets a regular paycheck and is able to maintain the lifestyle he and his family enjoyed before his disability struck.

Frank was a successful dentist before Lou Gehrig’s disease robbed him of the ability to speak, walk or even eat. The disease forced Frank to stop working, but a safety net of insurance protected his business and his family. A business overhead disability policy helped cover office expenses and pay employee salaries. And a buy-sell agreement funded by disability insurance enabled Frank’s partner to buy out his share of the practice. With the money from the buy-out and benefits from an individually owned disability insurance policy, Frank’s family continues to be financially secure and can afford the 24-hour home care Frank needs to maintain his quality of life.”