A dear friend lost her home in a tragic fire on Friday. It was shocking news, since we had just spoken earlier in the day. Her husband, Tom was hospitalized with third degree burns and smoke inhalation. I spent the rest of my weekend in shock and disbelief. It seemed so unfair. I began to wonder, how will this family survive? The home is uninhabitable; the family escaped with only the clothes on their backs, and the husband is recovering, unable to work for an unspecified amount of time.
In my mind, this sad catastrophe even further confirms the need for everyone to have some sort of disability insurance coverage. This situation is a perfect (but sad) example. One moment, Tom was a happy and healthy 42-year-old man, and the next he was a victim of a horrific accident.
Thankfully a GoFundMe Page has been established. The outpouring of love and support is deeply touching, but I can’t help but wonder will it be enough?
We use insurance to protect our lives, our cars, our homes, and our possessions – why not use insurance to protect our most important asset – the ability to earn income and make a living for ourselves and our loved ones? More than 50% of those disabled Americans are in their working years, from ages 18-64. It’s painfully clear that a disabling injury or illness can strike at any time, regardless of age, sex, occupation, or lifestyle habits.
Many of us don’t realize it, but the threat of becoming too sick or hurt to work is real. If you become a victim of a tragedy like Tom, how long can your family survive without your income?
Your clients need disability protection. They also need your help finding the right solutions to protect their incomes and businesses.