Think you don’t need disability insurance? Think again.

What would you do if you didn’t have a paycheck because you were too hurt or sick and couldn’t work?  Statistics show that people in their 30s are three times more likely to suffer a long-term disability than to die. A recent study showed that a 20-year-old worker’s chance of suffering a disability prior to retirement was 3 in 10! While the bulk of those disabled may suffer their disability for about five years, approximately 30% of disabilities could be lifelong. It’s time to start thinking about disability insurance.

We’d all like to believe that we’ll never be disabled. But the reality is…it could happen to you. If it does, will your family be taken care of? Will you be prepared? Your income during a disability will go away – but your household expenses will not. Bills will still need to be paid such as your mortgage or rent, utilities, groceries, and debt payments to name a few.

My father was diagnosed with cancer at the age of 52.  He spent a few weeks in the hospital, recovering from surgery and several weeks off of work. At that time, my mother was a stay home mom. My father’s disability policy helped insure that his bills were paid and that his income was replaced. That allowed him to focus on getting better without the added stress of financial pressures. My family was still taken care of and provided for even though he wasn’t able to work. That is why I am passionate about disability insurance, I watched it save and protect my family.