In this blog, we discuss a common scenario that could leave someone hurt and unable to work. Disability Insurance is a type of insurance that can be used to help in this type of situation. We note if it is something that can be purchased if you are already sick or disabled.
A Typical Scenario
A man wakes up in the morning for another day of work. He gets dressed, has his morning coffee, kisses his wife and kids, and drives to work. On his way, he realizes that he’s running late and the surrounding traffic isn’t helping. The approaching light is green so he goes for it and tries to speed through. It turns yellow unexpectedly and everyone steps on their brakes..but it’s too late. He hits the person in front of him and the person in the car behind the man completely smashed into his car.
He realizes what just happened and that he’s in pain. At the hospital, he finds out that both of his legs are broken and there’s some damage to his arm and hip. What does a person in this situation do?
Disability Insurance To The Rescue If You Plan Ahead
After a few days, the man remembers hearing something about Disability Insurance and decides to do some research. But, unfortunately, he doesn’t find good news. This man is now hurt and can’t work. If he can’t work, he can’t earn a living and support his family. He finds that he is also not able to qualify for Disability Insurance. But, why?
Disability insurance can be a great lifesaver. But, the policy must be in force BEFORE anything happens that will not allow you to work. This is why the man in this scenario was not able to get Disability Insurance. He was already unable to work before inquiring about Disability Insurance. The key here is planning for your future, whether planning for the best or planning for the worst.
If this man would have purchased Disability Insurance BEFORE getting into the car accident he would have been protected and could have filed a claim. He would have received benefits while he was unable to work. With the money he would have received he could have been able to pay for rent, groceries, daycare, etc.
Protect your paycheck NOW, while you are healthy and able to work. By purchasing Disability Insurance right now, you will properly prepare and protect yourself just in case an event happens where you become ill or disabled and can no longer work.
Insure Your Future can help you learn more about Disability insurance and apply for coverage. Call us today at (800) 788-8921 or fill out our Contact Form for us to get in contact with you.