In the last post we started talking about the importance of having disability insurance as protection and peace of mind so that a car accident will not financially devastate your life.

Consider Lynn, a single mother of three who was the sole breadwinner in her household. Not only was Lynn working a full time job but she was paying for child care in order to be able to work the hours she needed to work. Like most American families every paycheck was stretched to its limits in an effort to keep up with the bills associated with everyday life. There were no extras and Lynn and her family walked a very fine line of barely making it; something that is all too common these days.

On an average day, with no hint of bad weather or anything out of the ordinary, Lynn was struck by an out-of-control driver and her car flipped while she was going 50 mph on her way to work. Her car was totaled but even worse was the fact that Lynn sustained life-threatening injuries in this accident and received treatment in the hospital – including rehabilitation – for nearly two months.

Following her return home, however, life was very different, as she was unable to walk on her own and had to be assisted in basic functions. Lynn was not only unable to return to work in the short term but she needed help to meet the needs of her family on a day to day basis. If she did not have the disability insurance policy she had purchased just a few short months before her accident her family would have been financially unable to recover from this event.

But because of the disability income insurance that she had Lynn was able to continue meeting her financial obligations so that she could concentrate on her recovery.

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