Paycheck Protection: Could you afford to live without your income?
Do you have life insurance? If so, you’ve already faced the possibility that your family would need financial protection in the event of your death. But what’s far more likely is that you’ll need the financial protection *Disability Income (DI) insurance provides at some point during your working years.
As the population in the U.S. grows, startling statistics on injuries resulting in long-term disability are also growing. Clearly, it’s no surprise that disability insurance is considered by many authorities to be the most important benefit—even more so than life insurance. Why? Because disability insurance protects an individual’s ability to earn an income. Without that protection, most personal financial planning fail to matter in the face of a disabling illness or injury.
Disability – a possibility you need to consider
You probably take plenty of precautions in your daily life… you wear your seatbelt, you childproof your home, you have a working smoke detector.
Still, no matter how prepared you are, accidents do happen. And disability can be the outcome. A sports injury, a car accident, an illness, a problem pregnancy, a heart attack, a serious back injury — any of these situations can result in your not being able to work at your usual job. That, in turn, means a loss of income, even if you have a relatively sedentary job.
Counting on your group DI? Take a closer look.
Your employer– or association-sponsored group plan may not be all you think it is. It might, for example, insure you only if you are totally disabled, even though a partial disability could mean you were reduced to earning part-time income.
Plus, one overwhelming advantage of personal DI insurance is that it cannot be reduced or terminated if you leave your current employer. You pay the premiums, you own the policy, and the benefits are paid directly to you.
You can also complete the form below to request our free guides to these important coverages. Here’s the type of FREE, high-quality resources we provide you. TaxTreatment-IDI
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