To qualify for Social Security disability benefits, you must first have worked in jobs covered by Social Security. Lifetime Financial Growth, LLC is an Agency of The Guardian Life Insurance Company of America® (Guardian), New York, NY. Securities products and advisory services offered through Park Avenue Securities LLC (PAS), member FINRA , SIPC OSJ: 244 Blvd of the Allies, Pittsburgh, PA 15222, ph# 412.391.6700. For the original student loans, the projected lifetime costs are calculated using the weighted average term of the original loans and the weighted average interest rate in effect in the month prior to the refinance event, including borrower benefits (e.g. automatic payment discounts). Even if your spouse is currently employed, or could feasibly find work if you suffered a long-term disability, disability insurance could help cover unexpected expenses or help meet your financial needs until he or she is able to find additional income for your family. Other policies are