But with Disability Income Insurance, you can feel secure in knowing that you're protecting your most valuable asset -- your ability to work and earn an income. Avoid the financial strain even a short-term disability can cause when you're too sick or hurt to work.

The causes of disability may surprise you! Here's a breakdown (by percentage of claims) of some typical reasons an individual may become disabled:

Cancer	9%
Chronic Fatigue Syndrome/Fibromyalgia/Carpel Tunnel	10%
Cardiac/Circulatory System	8%
Infectious Diseases	3%
Nervous System	13%
Mental and Nervous/Substance Abuse	18%
Injuries	7%
Back	19%
Orthopedic (excluding back)	7%
Miscellaneous	6%

Adjusted Disability Insurance claims as of March 15, 2004

Occupation	Age	Diagnosis	Total Paid
Physician	35	Nerve Disorder	$1,212,800.00
Physician	49	Back	$688,860.71
Physician	35	Hearing Loss	$509,365.34
Physician	58	Myeloid Leukemia	$161,373.33
Dentist	36	Spinal Cord Injury	$550,000.00
Dentist	41	Multiple Sclerosis	$1,086,144.89
Dentist	46	Carpal Tunnel Syndrome	$50,685.00
Dentist	53	Blood Clot	$760,885.38
Psychiatrist	47	Multiple Sclerosis	$182,421.28
Psychiatrist	60	Parkinson's Disease	$34,000.00
Veterinarian	37	Cancer	$46,655.00
Veterinarian	43	Back	$332,218.00
Pharmacist	29	Back	$68,100.80
Pharmacist	47	Osteoarthrosis	$237,649.65
Nurse	36	Ovarian Cancer	$163,698.91
Nurse	41	Nerve Disorder	$627,500.00
Nurse	45	Back	$28,466.68
Nurse	58	Stroke	$44,533.33
Physical Therapist	38	Heart Attack	$282,118.96
Physical Therapist	46	Epilepsy	$487,266.84
Attorney	37	Multiple Sclerosis	$122,500.00
Attorney	44	Breast Cancer	$21,652.98
Attorney	46	HIV	$301,575.66
Attorney	59	Parkinson's Disease	$151,100.00
CPA	39	Lupus	$21,881.60
CPA	45	Heart Disease	$135,300.00
Corporate Executive	40	Heart	$198,600.00
Corporate Executive	47	Lyme Disease	$399,600.00
Corporate Executive	57	Emphysema	$720,000.00
Corporate Executive	57	Rheumatoid Arthritis	$33,308.00
Computer Consultant	29	Organic Brain Disorder	$54,730.00
Computer Consultant	36	Rheumatoid Arthritis	$191,636.17
Computer Consultant	39	HIV	$305,492.31
Computer Consultant	41	Bone Disease	$50,933.33
Business Owner	44	Liver Disease	$1,590,527.60
Business Owner	45	Brain Tumor	$18,105.00
Business Owner	52	Head Injury	$140,250.00
Business Owner	54	Hip and Thigh Injury	$116,074.34
Business Owner	55	Blind	$222,800.00
Psychiatrist	58	Cancer	$50,366.47

The above is for illustrative purposes only and is not intended as an inclusive representation of all claims.