Disability Insurance is About Creating Time to Heal if You Need It
Friday, October 7, 2016
It can be hard for anyone to think about risks in life. Generally we prefer to think about the positive things our futures may hold: marriage, children, promotions, grandchildren. But a pragmatist will point out that there’s not a life that’s been lived—or one yet lived—without its share of ups and downs.
Even if your clients don’t want to consider the accident or illness that could cause them to rely on disability insurance for a period of their lives, it’s a possibility that there will be a time that they will need DI nonetheless. Instead of focusing on the cause of the potential short or long term disability, have them consider the aftermath: disability insurance gives your clients a chance to heal and recuperate without worrying about their family’s financial wellbeing.
Our lives have become increasingly fast-paced and we feel the pressure at work, at home, even on vacation. Too often we try to force an activity into a smaller and smaller timeframe until we feel the pinch even when we’re supposed to be relaxing.
Similarly, we like to think that if we were to be injured or if we developed a disease that required time away from work for any length of time that we could recover quickly. But most of the time our bodies simply don’t work that way. Some common injuries and illnesses illustrate that healing takes time:
Mild Concussion: 7 – 10 days of uninterrupted rest
Traumatic Brain Injury: 6 – 9 months
Cancer: several weeks – 6 months
Heart Attack: 4 – 6 weeks
A traumatic brain injury can result from a car accident, anyone can develop cancer, and heart attacks don’t discriminate based on ethnicity, gender, or economic status. Debilitating illness and injury can happen to anyone.
Although it can be discouraging to discover that a period of healing after an injury or illness is longer than anticipated, without adequate disability insurance it can be disastrous.
We all deserve the chance to take the time we need to heal after a traumatic injury or illness, and it’s not something that can be done according to anyone’s timeline but our own. If your clients don’t want to talk about disability insurance because they don’t like to imagine the potential causes, consider discussing the upsides with them: DI gives earners in their family the security of knowing that they can take whatever time they need to heal from an injury or illness that keeps them from work.
If you have questions about helping your clients understand the importance of DI, give us a call. We are always happy to help you address common concerns and to help you find creative ways to encourage your clients to protect their paychecks.