Why to get a Disability Insurance?

When it comes to insurance policies, people tend to give disability insurance a back seat. People go for life insurance policies, health care policies and such without batting an eyelid, but when it comes to any insurance policy that has to do with disability coverage, most people will give it a toss. However, this is not an insurance that should be taken lightly. Here are some truths about this policy that you may not have considered.

Insurance for disability coverage covers for just that-disability. If there is ever an unexpected disability that you have to go through-something that disables you from performing active work for a while-then you will naturally find it quite difficult to manage your day-to-day expenses. The bitter fact of life is that even though you are physically unable to do work, and even if you have the medical records to prove that, the bills still have to be paid. You still have to eat and survive, which means your disability puts you out of earning, but it cannot put you out of spending. Now, the million dollar question is-you aren’t earning anything, so how do you manage your expenses? Do you ask for credit or borrow from family and friends? That doesn’t sound so appealing, does it?

The truth is that you can independently manage your expenses even if you are disabled. This is what disability coverage helps you achieve. It covers for you-for a limited amount but still that’s coverage-and that helps you stand on your own feet even if you physically may not be able to do so.

There are some rules with such disability coverage though. Most of these policies won’t start paying you out immediately. They will need to make sure you have been out of work for at least three months before they begin paying out. Now, this is a difficult time for most people, because these three months won’t be without expense either. However, there is an answer to this as well-short term disability policies. These are the policies that begin paying out immediately if you can prove that you are out of work. But, while they start paying soon, they don’t pay out for long. And that’s why you need the long-term policies as well.

Most people invest in both short-term and long-term disability coverage policies. That really helps if an untoward situation puts them out of action for a while. It doesn’t put a big burden on their monthly budgets either, because these policies have premiums that run into mere tens of dollars a month-significantly lesser than what they would spend if they ate out once.

No one wants to think about negatives and that’s one of the reasons why many people don’t spend the time to think about something like disability coverage. But, at the same time, it doesn’t pay to be an ostrich with the head in the ground. It is necessary to be pragmatic about things. While we don’t want to be pessimistic all the time, it is one of the essentials in life to think about what might happen in an unwanted situation and use devices like disability insurance to add more protection and security to our lives.

Kelly Hunter owns and operates http://www.accelerated-nursing-programs.com and also writes about Accelerated Nursing Programs

Article Source: http://EzineArticles.com/?expert=Kelly_Hunter

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