When it comes to selecting the insurance policies you need to protect yourself and your family from unforeseen events, you have probably covered all of the basics. Auto insurance, homeowner’s insurance, life insurance. Many people never look beyond these main three. There is one particular policy, however, that is often overlooked and that could prevent you from losing everything in the event that you are unable to work. Disability insurance is one of the policies that everyone should carry, but in many cases it is overlooked.
You Really Do Need It
Many people balk at the cost of paying for disability insurance, especially when they are already paying premiums on so many other policies, most of which are not optional. It is easy to let something like disability go. However, becoming disabled is a very real risk that each of us faces every day. Accidents, injuries, illness-there are many things that could leave you unable to work and thus without an income.
Disability insurance is designed to protect you in the event of any sort of disabling event that puts you in the position of being unable to earn your regular salary. You may have some coverage with your employee benefits, but in most cases it isn’t really enough to pay your living expenses and take care of yourself and your family. A disability insurance policy will make certain you have money to continue paying the bills and living your life in spite of a disability.
More Than A Good Idea
Most people will acknowledge that having disability insurance is a good idea, and yet many of them still won’t take out a policy. Much like health insurance, disability insurance is one of those policies everyone wishes they had when it is too late. You can’t get coverage once you are already disabled. Sadly, this is the time when many people realize just how important it really is.
Disability insurance should be considered just as important as those top three: auto, home, and life. It truly is a must-have insurance policy that will make an incredible difference should the day come when you need to use it.
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