Illness is one of those things that can strike even the healthiest of people. As frustrating as that sounds, it’s absolutely and undeniably a truth of humanity. No matter how much you attempt to ward off bad germs, filth, or whatever else, your body is still subject to some foreign bacteria or viruses that can completely overtake it. (Sounds a bit morbid now that I’ve put this into writing.)
Luckily, medicine has advanced leaps and bounds the more our technology moves forward. Things become cheaper. Studies become more abundant. And doctors become more knowledgeable and prevalent. It’s quite a wonderful commodity that the majority of us in developed countries take for granted. Sadly, the advances of medicine still fail to reach some of the more remote and underdeveloped parts of the world.
Regardless of how far it has reached, there are still some things we can do for our own bodies and families to help negate a lot of the risk that some of these deadly illnesses pose. From eating healthier and exercising more to investing in better products to help clean our homes, we have some degree of control over our health and sanitation.
But when we’re still left at the mercy of some of these illnesses, only one step remains that can help to protect our family and loved ones: disability insurance.
You may be asking “What?” right about now. And rightly so.
A lot of people don’t realize that the number one reason Americans need to have disability insurance isn’t because of work-related injuries or even freak accidents off the job. Rather, it’s because of disease and illnesses that can strike at any time. There are more people who claim their insurance because of sickness than those who claim it because of physical injury.
There’s no denying the power that this sort of insurance holds when we work in jobs that subject us to heavy machinery and heights. These sorts of jobs pose significant risks, and having proper insurance for them is absolutely important if you are going to throw yourself out there for the sake of the company.
But for the rest of us who work in offices or places that pose no harm, we may feel safe pretty often. The problem is, no one is safe to random happenstance. And sometimes, it seems that that’s exactly how stronger strains of viruses and bacteria function.
Don’t be unprepared by not having this type of coverage. Secure it. Lock it down. And be prepared.