No one expects to get seriously hurt - so it pays to be prepared just in case your income disappears or is drastically reduced.

Disability insurance can take up the slack by making your monthly mortgage payment or loan payment when sickness or accident prevents you from earning income.

• Disability insurance makes sure that loan payments don't drain your savings.

Other benefits of Capital City Savings disability insurance include:

• Generating non-interest revenue by returning a percentage of the insurance premiums to the credit union
• Claim payment is made direct to the credit union to take care of your loan or mortgage payments for you. Monthly benefit is up to $1,500 and continues for up to 120 months
• Mortgage and loan disability insurance is distributed by the CUIS program and is underwritten by Cumis Insurance Company