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Disability Insurance
By Dan Carter
Having and injury bring undue hardship on individual and families. Disability not only challenge you physically but it mentally stressful as well. Because when you are out of work the bill do not stop coming in. You are face with where will you get the money to meet your needs while you are out of work. If you have a serious enough condition whether it be due to illness or injury you could be looking at a dual loss of income if you are married, while you are in the hospital your spouse will be there with you. You'll encounter more expense for if you have young children and no family support you have to take on extra child care while you are laid up in the hospital. If you have children and they are sick or injured both of you will be off work. When you are release from the hospital, if you have to travel to treatment center you have to pay for hotel and food while away from home. These expensive keep adding up along with your normal living expenses. Where are you going to get the money to cover all of the mounting expenses while injured or seriously ill? This is where with proper planning that you will have a disability plan in place to replace your income and cover for extra expenses while you are unable to work. Adding Supplemental disability rider on your policies to pick up where your disability plan does not cover for expenses like travel to and from treatment center, replace the income of a spouse while off work with a ill or injured family member. Not having enough coverage cause many families to have to file bankruptcy when one get injured and not be able to work for sometime. It not a matter of if you have and injury that will keep you out of work for 90 days or more but when. Everyone thinks that it will not happen to them, but being injured or seriously ill is not selective, more and more workers are injured in auto accidents and get ill from some form of cancer and survive. So the need to have disability insurance to protect your salary is not a matter of can you afford it but a matter of it being a necessity to meet financial needs when the day comes that you need to use it to protect yourself, and family when the need arise. Give yourself the peace of mind knowing what ever life dishes at you that you will be able to survive it. |
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