Most people don't spend their time thinking about having accidents or serious health problems. They think about making money, baseball scores, or the latest news and trends. Nature has a wonderful way of keeping us moving forward in life. But nature has a dark side, too. A severe accident or major illness can lead to a loss of income, followed by a spending down of hard-earned assets just to meet daily expenses and increased health care costs.

Many families have two income earners. Their lifestyles are based on the combined incomes both are bringing in. When one of the earners becomes disabled, how will the family unit be able to maintain their previous lifestyle? Support their children? Will the working family member have to get a second job?

Working well spouses, or partners, of the very sick or disabled are acutely aware of their vulnerability should they become disabled themselves. Especially so if their ill partner or spouse is being cared for under the well spouses health coverage through their employer. Imagine what would happen if the wage earner loses income and coverage for both.

Where can we find the funds necessary to replace income that will be lost to a disability?

The answer is disability income insurance coverage, a very important part of total financial protection. There are all kinds of disability policies, with all kinds of features and riders you can buy. Unless you can survive financially with no earned income, it makes sense to explore long term disability coverage that can provide 60-70% of your pretax income. Contact us today for further discussions.