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Disability insurance helps to replace income in the event of a disabling accident or illness.
If your earnings stopped for a month, a year…or the rest of your life, uncovered medical expenses and monthly household bills would still have to be paid or your family’s lifestyle may have to change dramatically.
Disability insurance can be purchased by individuals with out coverage at work and it can be purchased on a group basis by businesses who wish to offer this coverage to employees. With group insurance the coverage can be paid by the employer in full, by the employee in full or both can contribute to the premiums.
You have five choices:
- Use your savings
One year of total disability could wipe out 10 years of savings. And what would be left for the future? For retirement?
- Sell your property or assets
Under a forced sale, the likelihood is that tangible assets (real estate, autos, boats, etc.) will bring less than their fair market value…and still may not provide enough to pay bills.
- Live on your spouses income
In most two-income households, expenditures and debts are based upon the assumption that both incomes will continue. With half or more of current household income gone, most families’ life styles would have to change.
- Borrow money
Even if you could obtain a bank loan, the additional debt could compound your problem. Friends and relatives may be able to help you temporarily…but for how long?
- Let disability income insurance supplement your family income
Leave your savings alone and hold onto the assets you worked so hard to get. Keep balance in your life with a solid plan of disability income insurance to assure additional income exactly when it’s needed most…when your income has stopped due to a qualified illness or injury!
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