Individual disability insurance has become an important part of a complete financial security plan, because

• One in five Americans will experience a long-term disability during their working years.¹
• Disabilities lasting more than 90 days tend to last for years.¹
• Every 30 seconds someone files for bankruptcy in the aftermath of a serious medical problem.²
• Among those whose illnesses led to bankruptcy, nearly 76% had medical insurance at the onset of illness.³

The Standard offers three individual disability insurance solutions to help protect you:

For Individuals*:

• The Protector+^SM** individual disability income insurance

For small businesses:

• The Business Protector^SM business overhead insurance
• The Business Equity Protector^SM buy/sell insurance.

Already have employer-paid long-term disability insurance (LTD)?
While LTD provides valuable protection, you may be surprised at the dollar amount of the benefits you can reasonably expect to receive in the event you become disabled. For example, a typical LTD policy covers 60% of base salary. If the base salary is $100,000, the typical employer-paid LTD policy would cover $60,000. If the insured is in the 25% tax bracket, those benefits would be reduced $15,000 by taxes and result in a potential maximum of $45,000 net benefit income. In addition, there may be other LTD contractual provisions that could further reduce those payout benefits.

Two is better than one
To better protect yourself against income loss due to disability, consider LTD coverage plus The Protector+ individual disability insurance. The advantages are that

• More of your base salary would be protected
• Incentive pay (which is not typically coved by LTD) can be insured by The Protector+
• When you pay your premiums for The Protector+, benefits are not taxable

The best company for you
When you choose to protect yourself against income loss from disability, you are establishing a long-term relationship with an insurance company. The company should be financially stable so it will be there for you when you need it most, and when you receive customer service, it should be experienced and caring.

Place The Standard at the top of your list! Standard & Poor's did when it rated The Standard first among its peers, with high levels of customer service, a sound liquidity position and strong financial flexibility.⁴

Find out more
We encourage you to find out more. Call 800.247.6888 or e-mail .

1. 1985 Commissioners Individual Disability Table A.
2. Sick and Broke by Elizabeth Warren, The Washington Post, Feb.9, 2005.
3. Illness and Injury as Contributors to Bankruptcy, David U. Himmelstein, Elizabeth Warren, Deborah Thorne and Steffie Woolhandler. MarketWatch Health Affairs. Project HOPE. The People-to-People Health Foundation, Inc.
4. Peer Comparison: U.S. Specialty Employee Benefits Insurers, Standard & Poor's Rating Services. October 21, 2005.

*Policy and rider provisions, and their availability, may vary by state.
**The Protector^SM in California

These policies have exclusions and limitations and terms under which the policies may be continued in force or discontinued. For complete costs and details of coverage, please call your insurance representative or The Standard at 800.247.6888.