January 1, 2010

Q: Why do you say that disability income insurance is more important than major medical insurance?

A: A person with inadequate major medical insurance might lose some sleep over unpaid bills and, worst case, could eventually wind up dealing with a collection agent to settle the unpaid bills. But everyone has access to basic medical care regardless of insurance.

In contrast, a person without adequate disability income insurance can easily wind up losing the major components of their lifestyle. Disability is the leading cause of home foreclosures and personal bankruptcies. The incidence of divorce following uninsured disability is very high and chronic disability is also linked to long term mental illness. In short, a lack of adequate disability income insurance can ruin your life more easily than unpaid medical bills.

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