Are You Protecting Your Most Important Asset?


If you were asked what your most important asset is what would that be?  Your home?  Your car?  Maybe your retirement savings? Think harder….what allows you to have those ‘things’? 

Your most important asset is your health which allows you to work and earn a paycheck.  Do you have ‘paycheck protection’?


Paycheck protection, also known as disability insurance, should be an integral part of your health and financial portfolio.  Many of us think we are simply invincible.  Statistics show that even a 20 year old has a 1 in 4 chance of being disabled before they retire.  Typically accidents are not the culprits of disabilities.  Cancer, back injuries, heart disease and other illnesses cause the majority of long term disabilities. The average disability lasts 34.6 months.  Most of us don’t have 3 months of savings, let alone three years.  (all statistics are from )


Planning is the key.  Below are a few details to begin your process, for additional assistance, contact an insurance or financial professional who works with disability coverage.


  • How much sick time do I have with my employer?
  • Does my employer offer Short Term or Long Term Disability? What amount of coverage, length of time, am I paying the premiums and if so pre/post tax? The last is extremely important as it determines the taxable nature when you need the benefit.
  • What do I have in personal savings?
  • Social Security Disability and Worker’s Compensation. Social Security Disability is NOT immediate possibly taking up to 29 months after someone is deemed disabled to begin.  Did the disability happen due to a work related incident that Worker’s Compensation is involved?


As 2019 begins and we plan our resolutions and re tool our budgets, also think of how you are protecting your paycheck.  Beginning or staying healthy is one of the overall best ways to reduce your chances of a disability.  As Nike would say… JUST DO IT!.  Once you’ve started planning and are ready, call, email or stop in to discuss your concerns and options regarding protecting your most important asset, your income.




Janis VanAhn
Health Insurance Advisor, LLC
p. 515.225.9994


A little more about us:
The Business Warrior group has some of the industry’s top experts in all the areas your business needs to be successful. Amongst the contributors is Janis VanAhn, owner of Health Insurance Advisor, LLC. For 19 years Janis has worked in and around the health insurance industry initially providing service to agents and employers related to employee benefits, individual healthcare and Medicare, while more recently becoming appointed as an individual agent with various quality carriers to provide this service to individuals through her own business.

Four years ago Janis was ‘blessed’ with being let go from her job at an insurance ageny. Staying within insurance was her path…but in what capacity. 2010 was the year Janis began her career as an independent insurance agent specializing in health insurance. Finding quality, cost-effective healthcare for individuals and families under age 65 as well as working with those who are Medicare eligible truly was her passion. She has made this a true specialty and positioned herself as someone to work with whether it is a financial professional or property & casualty agent with a client that needs assistance, to a group of seniors turning 65 and they keep receiving Medicare information and are confused about what to do.

Janis enjoys the one on one contact with clients as well as looking forward to speaking to groups about healthcare. Her excitement for this industry is what drives her to stay in tune with Healthcare Reform and what is currently happening and what will happen with coverage from now to past 2014.

‘Educating individual and Medicare consumers to make informed choices’ is her mission because if people are educated and understand, they will make informed choices that they are comfortable with.

Get to know Health Insurance Advisor, LLC and Janis Van Ahn by visiting the website, or contact her with your questions to find a solution.

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