| Insurance is a fact of life that not many of us are | | | | the most important insurance you will ever need. I'm |
| happy with. I don't know about you but I can't stand | | | | talking of course about disability insurance. |
| paying insurance premiums month after month after | | | | Sure if we wreck our car, our auto insurance will |
| month, year after year, and hardly ever taking | | | | cover the damages. If we get sick or health insurance |
| advantage of them by having a claim paid out except | | | | will cover the hospital bills. And if we die our life |
| for the odd doctors visit now and then. | | | | insurance will make sure that our family is provided for |
| The problem is, we are inundated with insurance. We | | | | financially. What happens in each of those instances if |
| are an insurance nation; it's part of the core of what | | | | we are disabled? |
| makes us American. The reason why is tied up closely | | | | Sure, your car insurance will pay for your car but what |
| with our Constitution. You see, we're a free country | | | | about YOU if you can't go to work after that |
| and in a free country you are free to make your own | | | | accident? And sure your health insurance will pay the |
| choices. The problem with that is that most of the time | | | | medical bills while you're in the hospital when you're |
| we make incredibly stupid choices! | | | | sick, but what if your illness keep you from work for |
| Insurance helps cover the stupid choices we make yet | | | | the next six months; who pays then? And sure if you |
| at the same time allowing us the freedom to make | | | | die your life insurance will provide for your family... but |
| those stupid choices which is what it means to be an | | | | what if you don't die and are merely disabled but can't |
| American! But I'm getting off the point here... | | | | work any longer? Who pays then... |
| It seems like there's insurance for just about | | | | The answer is disability insurance. Disability insurance |
| everything. There's automobile insurance to cover us in | | | | covers all of those things in the case that you are no |
| case we have car accidents, there's health insurance | | | | longer able to perform your work function. If your |
| to cover us in case we get sick or need major | | | | paycheck disappears because you can't go to work, |
| surgery. There's homeowners insurance in case our | | | | your disability insurance will kick in and save the day. |
| house is burned down or gets flooded (though check | | | | When choosing a disability insurance policy make sure |
| your policy carefully, it probably doesn't contain flood | | | | that it accounts for inflation, maintains your family's |
| damage insurance!). There's even life insurance that will | | | | standard of living at your current income level, and is |
| pay out large sums of money to your family in case | | | | set up to grow your net worth over time (this goes |
| you ever die so that their quality of life doesn't diminish | | | | back to the inflation thing). |
| simply because your paycheck has disappeared with | | | | You've made all the right choices so far with health, |
| you. | | | | auto, homeowners, and life insurance. Don't screw it up |
| But in all that confusion of insurance, there's one kind of | | | | by forgetting the most important insurance of them all... |
| insurance that often gets ignored and it is just about | | | | get yourself a good solid disability insurance right away. |