What would happen to your financial health if you were to become sick or injured and couldn't work? Could you pay your mortgage? Your car payment? Credit cards? Household bills? How would your life change?

We conducted a survey¹ of U.S. workers like you and found that the majority (94 percent of respondents) value disability coverage - insurance that would replace a portion of your income if you became sick or injured and couldn't work.

Not surprising, given that experts predict that 1 in 3 people between the ages of 35 and 65 will experience an illness or injury that keeps them out of work for 90 days or more.² And that fewer than 40 percent of us have set aside emergency savings.³

But what our survey also showed was that many of you are unsure about the cost of disability coverage, whether you need it, or even whether you have it! And nearly everyone told us they wanted advice to help them make decisions about disability insurance.

We can help. We're experts in disability coverage. We work with thousands of employers to provide cost-effective, quality disability coverage we believe is unsurpassed in value. What makes our disability coverage so special?

• Easy-to-understand materials that take the mystery out of understanding disability coverage, and help you use the plan to get the most value.
• Prompt, friendly service that ensures questions are answered quickly and claims are paid promptly and accurately.
• Personalized rehabilitation support that helps you do what our survey told us workers like you want - return to work quickly so you're back in control of your life and future.
• No-cost value added services to help you better manage your life and health. Like help finding child and pet care. Tools to help you prepare a will. Discounts on fitness clubs, smoking cessation, weight loss programs, and even massages.

Disability Consumer Education Kit

Disability Prevention and Wellness

Why CIGNA for Disability?

CIGNA is a leader in disability management. We offer a variety of coverage options, vocational rehabilitation and employee assistance service -- all designed to protect your financial health and help you get back to work quickly and safely. The proof is in the numbers:

• 40 years in business
• 5.7 million customers with disability insurance protection from CIGNA
• $622 million paid out in claims in 2008
• 4 years as employee assistance program leader⁴

CIGNA. Helping the people we serve improve their health, well-being and security. We think you'll find it's a smart investment in your financial health.

Sources:
1- CIGNA study conducted by Yankelovich, 2009; 2 - Assurant Employee Benefits, PR Newswire, April 27, 2009; 3- National survey for the Consumer Federation of America, conducted by Opinion Research Corporation, February 2007; eligibility for benefits and amount of any benefits payable governed by terms of actual policy. 4- Business Insurance magazine, Readers Choice Awards (2008, 2007, 2006, 2005).