No one expects to get married and then one day see the marriage end. What we expect is to commit ourselves to another person and have it remain that way throughout the entirety of our lives. Unfortunately, as the statistics clearly show, marriages end every day. And more than just the emotional ramifications that are associated with such situations is the logistical ramifications. The fact of the matter is that when you marry someone you are essentially tying your life to theirs and there are bank accounts that are shared, insurance that is taken out, houses and businesses that are in both names, and so forth.

So when a marriage ends all of these things must be considered. Things are separated including bank accounts, deeds to homes, and the like. And, consequently we need to examine those policies that we may have had together and reassess them in terms of having single policies. There’s a lot of paperwork and administrative concerns that must be addressed when it comes to divorce – over and above the emotional drama that always ensues. It’s a lot for anyone to have on their plate.

When I got divorced I remember feeling completely overwhelmed by the number of things that I had to do when all I really wanted to do was go to bed. Things that I never gave much thought to – if ever – were suddenly needing attention, requiring me to make decisions. It was exhausting.

One of the things that I never even realized we had was disability insurance. Of course, now that I look at it closely it makes perfect sense that my ex-husband had a disability insurance policy in place. He was the larger earner in the household; if something happened to him we would be without his paycheck. While his life insurance policy covered us if he were to pass away, disability insurance covered us if a sickness or injury stopped him from earning a paycheck.

More in the next post about how I got through my divorce and put my own separate things in place including disability insurance.

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