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Individual Plans

DeWitt Risk Management Consultants LLC has Individual Product Specialists on staff to help you determine the best direction for your personal insurance coverage needs.

Are you sure that the benefits programs you have in place will meet your needs if and when the time comes to use the coverage? Do you know your options? Are you aware of which options will best fulfill your specific needs? Have you thought of everything? If you're not sure...remember that you can tap into our expert knowledge at any time. Get in touch with any questions or simply apply online today.

Many individuals feel they are fully covered until they need to access their benefits. Find out whether or not you are "fully covered" before that time comes by calling an Individual Product Specialist at DeWitt Risk Management LLC today.

One of the most overlooked types of Individual insurance coverage is Disability Income Insurance; it's a necessity for anyone who earns a living. When a disability leaves you unable to work for an extended length of time; you lose the ability to earn an income. Disability Insurance is designed to help you maintain your standard of living when you cannot work. Only a small minority have enough assets to provide an adequate financial cushion during times when disability prevents them from working. Those who don't can use Disability Insurance to cover their costs of living and/or supplement their income until they are back to work.

To clearly illustrate the importance of Disability Insurance consider the following facts and statistics:

  1. According to the Life and Health Insurance Foundation for Education, 3 in 10 workers entering today's work force will become disabled before they reach retirement age.
  2. The National Safety Council advises us that in the United States alone, there is one disabling injury per second, and one fatal injury every 4 minutes.
  3. Unexpected illnesses and injuries cause 350,000 personal bankruptcies every year according to "Illness and Injury as Contributors to Bankruptcy" in Health Affairs, February 2005.
  4. The National Safety Council data indicates that the average long-term disability absence lasts 2.5 years.