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A long-term disability can be disruptive both financially and emotionally. Disability income programs can be designed to replace income on either a short- or long-term basis. When the program is properly designed, products can be structured to offer partial or total income replacement, on a tax-free basis.
SKCG coordinates the underwriting process with carriers and clients to establish a fair and equitable offer for our clients. Throughout the process, and on an ongoing basis, we monitor the industry to properly position clients within the market.