TUESDAY, FEBRUARY 5, 2013
When asked to list their most valuable assets most people include their home, retirement account, or car but fail to consider their ability to earn a living.
A 35 year old earning $50,000 who retires at 65 could earn $1,500,000 and that does not take into account promotions or raises.
Did you know that 1 in 4 people entering the workforce today will become disabled before they retire? Approximately 90% of all disabilities are caused by illnesses rather than injuries.
While many employers offer group disability insurance, most group plans cover only 60% of your base income for only a few years. Can you live on half a paycheck?
Check out www.halfapaycheck.com to learn more.
Make sure your family is fully protected. Call Cornerstone Insurance today.
1. Social Security Administration, Fact Sheet, March 18, 2011
2. The Council for Disability Awareness, www.disabilitycanhappen.org
Posted 4:42 PM View CommentsTags: disability, insurance, assets, retirement, car, home, liability, earnings, group disability, long term care, nursing home, half a paycheck, protection, social security, disability insurance, investing, future,
FRIDAY, DECEMBER 21, 2012
Cornerstone Insurance Agency is continuing to grow by leaps and bounds and is proud to announce our new Customer Service Representative, Sarah Langston!!!
TUESDAY, DECEMBER 18, 2012
Home sales in the Houston area are continuing to boom, and as a result prices for houses are higher this November than they have been.
Click Here to find out more!!
FRIDAY, NOVEMBER 2, 2012
Over the past two months, the staff here at Cornerstone has worked with four families concerning their individual long-term care needs. Unfortunately for these families, they waited too late to look into long-term care insurance. Certain health conditions or past health related events caused them to be turned down by many long term care providers for that extremely important coverage.
With the cost of long term care continuously increasing, more companies deciding it is not profitable enough to sell during this economic down-turn, and the financial and emotional burden that providing care can place on families, please do NOT wait until something happens that keeps you from protecting your family and your assets.
Call Cornerstone Insurance Agency TODAY! 713-948-0707
MONDAY, AUGUST 13, 2012
Long term care insurance is particularly important for women
for two major reasons...
Women are more likely to be caregivers.
1. Women provide between 60% and 75% of informal care.
2. Women typically do not abandon their care giving responsibilities due to employment.
3. Women who are employed and provide care lose and estimated $565,000 in wage wealth through decreased Social Security benefits and pension benefits.
4. Women who provide care for an ill or disabled spouse are 6 times more likely to suffer from depression or anxiety.
Women are more likely to need care.
1. Women are 10 times more likely than men to reach age 85 and are therefore far more likely to go into a nursing home.
2. Women are more likely to suffer from Alzheimer’s disease or stroke.
3. Women over the age of 75 are far less likely to be married and by 85 76% are widowed.
4. Women who are single or widowed are 110% more likely to exhaust policy benefits than married men and 70% more likely to exhaust policy benefits than married women.
If you choose not to be a statistic, call Cornerstone Insurance (713-948-0707) to find out more about protecting your assets and the women you love.
Sources: Older American 2008; Key Indicators of Well Being, Federal Interagency Forum on Aging Related Statistics; Family Caregiver Alliance 2009.
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