Ever since most of us were children we have had it drilled into our head to save for our future, protect our future, put something away for a rainy day, and all the rest of it. For many of us, those lessons didn’t quite sink in until we were much older and had a family for which we were responsible. Then we understood – now as the parents who were telling their own children to save for their future – just how important it is to make sure that you have provisions put in place for whatever the future holds.

All the savings in the world, however, and even the investments that we make throughout our lifetime, could all easily be at risk if we suddenly find ourselves in a position of having to leave our job and not continue to earn. The economy may be bad, but most of us can’t imagine a scenario where we wouldn’t be able to find something; some way in which to earn some sort of a living. But this only works in a scenario in which we are healthy and physically capable of continuing to earn a living in the way in which we have been doing. But in a situation where we are hurt in an accident and unable to return to work or we find ourselves physically ill and undergoing treatment, we may simply be physically incapable of going to work and earning a paycheck. And without disability insurance in place we could be facing a very insecure future.

Most of what we plan for involves us being healthy and viable enough to have a long retirement but far too few of us plan for those circumstances in which we are not healthy. Disability income insurance can put those provisions in place and we hope never to have to use them. But if we do – we know we are well protected.

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