A disability, particularly a long-term disability, can be disruptive financially and emotionally.
Disability income programs can be designed by the specialists at SKCG to replace income on a 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 both parties. Throughout the process, and on an ongoing basis, SKCG monitors the industry to properly position its clients within the market.
Long-term disability income policies can be used in a variety of situations personal and professional.