The current economic crunch in this country has escaped no one’s attention. Most of us are glued to our televisions and our newspapers so that we may learn the latest that is being done to rescue the nation from this downslide. In businesses across the country this news is not news at all; they have been feeling the ramifications of the economy for some time. And for individual households the impact has been just as significant as we look for ways to stretch our dollar as far as they will go.

Now is most certainly not the time to be conservative with the protective financial layer we put in place for ourselves. Retirement accounts should not be touched – as scary as the market may seem – because the penalties for early withdrawal are severe; life insurance should be kept current to protect our families; and disability insurance plans should be thoroughly explored so that a change in our circumstances does not threaten to financially destroy us.

Most of us are barely making it by with our paychecks these days. Could you imagine a scenario where you didn’t have a paycheck at all? When someone becomes sick or injured and their subsequent disability prohibits them from returning to work (in the short term or even permanently) the loss of a paycheck can be devastating for a household that counts on every penny for its survival. With disability insurance, however, earners are essentially protecting their paycheck by putting measures into place that will payout if their paycheck is suddenly and unexpectedly taken from them due to a disability.

It may seem counterintuitive to take more money out of your pocket in this current economic climate. But in reality it is makes the most sense to protect your family through disability insurance – now, more than ever.

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