Our paychecks are meant to do a lot of things for us. They of course are meant to pay our bills and household expenses. And, for the financially savvy among us, that paycheck should also be used to put a portion of money away for the future. Savings are very important if we are to be able to do what we need and want to do throughout our lifetime. What we have earned is meant to protect us now and in the future. But unexpected circumstances can often change our lives, and along with it, the financial cushion we have worked so hard to accumulate.

Those who are hurt or become ill and are not protected by a comprehensive disability insurance policy are vulnerable to losing everything they have and everything they have worked so hard for throughout their careers. Disability insurance is meant to give us an intermediary or replacement salary if we find that we are unable to return to our jobs due to illness or injury. But it is also a protective measure in safeguarding our financial nest egg – our savings accounts, our investments, even our homes.

If any of us were to become sick or injured and be unable to work, how long would we be able to keep our household afloat without our steady paycheck? For most of us the answer is not very long. And even if we were able to survive, at the end we may find that we are without all of the earnings that we worked so diligently to put away for our futures.

But with a disability income insurance plan in place we are protecting our families now; should we be out of work either temporarily or permanently, disability income insurance will help us meet our financial obligations. Additionally, disability insurance allows us to protect our financial future by keeping our earnings intact.

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