{"id":1092,"date":"2013-08-01T05:58:40","date_gmt":"2013-08-01T05:58:40","guid":{"rendered":"http:\/\/mrms-inc.com\/?p=1092"},"modified":"2021-11-05T01:41:44","modified_gmt":"2021-11-05T01:41:44","slug":"short-term-disability-insurance","status":"publish","type":"post","link":"https:\/\/www.livingbyyourdesigninc.com\/index.php\/2013\/08\/01\/short-term-disability-insurance\/","title":{"rendered":"Why is Planning Necessary?"},"content":{"rendered":"
Do You Need Short-Term Disability Insurance?<\/p>\n

It\u2019s late at night, your kids started your day early and now it is late at night, you are alone and driving home from your mother\u2019s home. You\u2019re tired, but still, have a couple of miles to go. At last, you\u2019re about a half-mile from home. You relax and fall asleep at the wheel. You go off the road waking up when you\u2019re heading for the ravine. You cannot stop or control your car. The car finally stops. Your back hurts; you\u2019re tingling front the chest down. Your feeling starts to come back as you reach for your phone. Thank God, your phone is in the carrier and did not end up on the passenger floorboard. You call 911 for help.<\/p>\n

The surgeons tell you that you will most likely recover well, but have a 6 \u2014 12 month road to recovery and you will not drive for 3 months. You will need someone with you for most of the first month or two. Finally, after a week, you head home from the hospital.<\/p>\n

This actual incident brings up several issues. First, caregiving for your children and parents is tough and time-consuming. It is wise to get help if possible. Do not stretch yourself this thin. This person\u2019s life is changed forever and she will be limited in the care she can give to her children and parents.<\/p>\n

Secondly, it is said: 87% of people fail to plan. If this accident was worse, who would care for the children? Would the money available be enough to keep the family home? What will your parents do? Is there planning in place? Would this event change their planning?<\/p>\n

All of these questions are real and controllable if a person does their legal, financial, and life planning. Some might think \u2014 this couldn\u2019t happen to me. Well, the Society of Actuaries states the odds of a 35-year-old having a disability that lasts three months or longer is 41%. If you cannot work, how can you replace your paycheck? Who is going to help with your children and your parents?<\/p>\n

There may be some good answers to your questions. First, your employer\u2019s group insurance plan may include disability coverage (DI). You may wish to consider a personal disability insurance plan. Legally, is your will up to date? Are your advance directives \u2014 powers of attorney in place?<\/p>\n

A life-changing event could also change your parent\u2019s planning. Are you their only power of attorney? Has a successor been named in the POA document?<\/p>\n

Coordinating care for your children and parents simultaneously is not easy. What can you do to manage this? Three words of advice: Plan, Plan, and Plan. Legal, financial, residential, mental, and physical healthcare elements must be addressed prior to a crisis. A sandwich generationer should guide their parent through these issues and the primary issue of safety while being careful not to take all control away from a parent. Once again, it is important to start talking, making suggestions, and guiding early, do not wait for a crisis.<\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"

Do You Need Short-Term Disability Insurance? It\u2019s late at night, your kids started your day early and now it is late at night, you are alone and driving home from your mother\u2019s home. You\u2019re tired, but still, have a couple of miles to go. At last, you\u2019re about a half-mile from home. You relax and […]<\/p>\n","protected":false},"author":5,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"default","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"default","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[55],"tags":[],"class_list":["post-1092","post","type-post","status-publish","format-standard","hentry","category-long-term-health-care"],"yoast_head":"\nIs Short Term Disability Insurance Necessary?<\/title>\n<meta name=\"description\" content=\"If you were in a serious accident do you have a plan? 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