Protecting your family from financial catastrophe is one of your most important jobs as a parent. And long-term disability insurance is a critical part of that protection. Here’s how it works and why you need it…
Think quick! What’s your most valuable asset?!
Your house? Smart answer!…
…But wrong. The right answer is YOU! Gahhh!
I’m not following that up with a motherly kiss on your cheek. But I am totally serious.
Your most valuable asset is your ability to earn a living
Your ability to earn a paycheck is your single greatest asset. Without that, everything else falls apart.
Between that and the short-term disability policy you get through work, you should be okay.
Remember, insurance is to prevent financial catastrophes. Being out of work for a few months should not equate to a financial catastrophe. If it would, then schedule a call with us immediately. You’ve got bigger things to worry about.
Talk to your financial planner first
Make sure to talk to your financial planner before buying a long-term disability policy. There’s a lot of nuances to these policies and you don’t want to go it alone.
If you don’t have someone to talk to, then schedule a call with us. We help young families with this stuff all the time. (It’s literally our job.)