I read an article in a magazine a few years ago that has stayed with me ever since. It was a family that was involved in a serious automobile accident while en route to their holiday home in the mountains. Not because of them has changed their lives forever to this day. One was killed by three sons, her mother was injured and his father left brain without the use of his legs. Today, the family has been torn by the accident.
The two remaining children saw an uncle and an aunt, her mother calls around the clock care and lives in a home state. His father, on the other hand, now lives with his parents. Unable to his job as building inspector, now has an administrative position again with his old company. The family had no life insurance, no disability insurance. As the story was just how vulnerable we are, and not as a kind of coverage leaves us completely at the mercy of the worst that can happen to any normal family, normal in a day.
The disability insurance is a type of insurance protection that protects your income against disability. Your income is without doubt the greatest resource. Without it you can not provide for you or your family, or acquire other assets. Those who earn a wage, disability insurance needs, not only the income that families need to buy. Even without dependents, you must ensure that it will be financially independent, without your income and you are not a burden to family or the state.
The benefits go beyond the income replacement disability. The cover you receive may be used to settle any debt, thus relieving the financial burden will be each month. You can also use to pay all medical bills that may arise. On the positive side, the funds may be used to rebuild your life, for example, converted to your home to accommodate disabilities or space for your vehicle.
Another form of insurance that you must consider how terrified worker health coverage. This type of insurance is a win if ever suffer from a disease like cancer, organ failure, etc.
I often wonder what happened to the family in this journal. As the children have to cope without their mom and dad? They never happened again live together, regardless of other family members? It ‘s terrible to read these terrible article, but let them think, and often change the lives of others. I had no disability insurance, if I read that Article. What do I do now.