{"id":4016,"date":"2019-08-11T14:57:00","date_gmt":"2019-08-11T14:57:00","guid":{"rendered":"https:\/\/www.livingbyyourdesigninc.com\/?p=4016"},"modified":"2021-11-04T00:37:19","modified_gmt":"2021-11-04T00:37:19","slug":"what-is-disability-insurance-2","status":"publish","type":"post","link":"https:\/\/www.livingbyyourdesigninc.com\/index.php\/2019\/08\/11\/what-is-disability-insurance-2\/","title":{"rendered":"Life Can Change in a Moment"},"content":{"rendered":"<p>Do you know anyone whose life changed in a moment?<span class=\"Apple-converted-space\">\u00a0<\/span>Maybe it was a promotion or learning that they would be a mother or father. Other times it could be a terrible accident, a lab test, or an abnormal x-ray.<span class=\"Apple-converted-space\">\u00a0<\/span>It\u2019s nice to be able to prepare for such things as having a child and it is wise to prepare for an event that could affect your earnings \u2014 your life.<br \/>\nIn our business, we have worked with many parents of new babies.<span class=\"Apple-converted-space\">\u00a0<\/span>We have also worked with many people who have experienced that \u201cmoment\u201d of a disabling accident or illness.<span class=\"Apple-converted-space\">\u00a0<\/span>For those who depend upon their income, there is the stress of the loss of income or a paycheck. Just to mention several \u201cmoments\u201d: A business owner having a routine physical with no signs of any medical problems having an abnormal chest x-ray,<span class=\"Apple-converted-space\"> a gentleman<\/span>\u00a0falling off a ladder while fixing his porch, a seizure, an auto accident, or a farmer experiencing a devastating injury. None of us is immune to having a \u201cmoment\u201d.<br \/>\nHow can you pay for your mortgage, utilities, and groceries (MUG) if you have this accident?<span class=\"Apple-converted-space\">\u00a0<\/span>Does your spouse work?<span class=\"Apple-converted-space\">\u00a0<\/span>Would her or his income be sufficient to meet your family\u2019s needs?<span class=\"Apple-converted-space\">\u00a0<\/span>Social Security Disability could help but since a person would need to show their disability would last at least one year, normally SSDI would begin after the first year and may not be enough money for your needs.<span class=\"Apple-converted-space\">\u00a0<\/span>You can dip into savings or pension; once they are spent \u2014 they are gone.<br \/>\nSo how can you protect your income? First, check with your employer to see if they offer a disability plan.<span class=\"Apple-converted-space\">\u00a0<\/span>Then talk with your insurance agent.<span class=\"Apple-converted-space\">\u00c2\u00a0 <\/span>If you put it into perspective a plan that would pay your mortgage, utilities, and groceries (MUG) can be more affordable than you may think.<span class=\"Apple-converted-space\">\u00a0<\/span>Here\u2019s a good way to look at it; (to use round figures) let\u2019s say a person with a spouse and two children has two job offers:<\/p>\n<ol>\n<li>The annual pay of $100,000 ($8,333 monthly) and no disability coverage.<span class=\"Apple-converted-space\">\u00a0<\/span>Therefore if they would become sick or hurt and not able to work their pay would end.<\/li>\n<\/ol>\n<ol start=\"2\">\n<li>Another job offer is $95,800 and would include a plan to pay 50% of your income if you become disabled.<span class=\"Apple-converted-space\">\u00a0<\/span>(Monthly figures on offer 2 are $7,983 in earnings and $350 a month to protect those earnings against a disability.)<span class=\"Apple-converted-space\">\u00c2\u00a0 <\/span>Which job might make the most sense for your family? <span class=\"Apple-converted-space\">\u00c2\u00a0<\/span><\/li>\n<\/ol>\n<p>For family security, it probably offers #2. Most people do not believe they will become disabled; do you? <span class=\"Apple-converted-space\">\u00c2\u00a0 <\/span>Statistics from the Society of Actuaries states the odds of a 35-year-old having a disability that lasts three months or longer is 41%.<span class=\"Apple-converted-space\">\u00c2\u00a0 <\/span>Who do you know that has had a devastating accident or illness?<span class=\"Apple-converted-space\">\u00a0<\/span>How old were they?<br \/>\nThis article is intended to provide you with beginning knowledge and an idea of a way you can protect yourselves.<span class=\"Apple-converted-space\">\u00a0<\/span>Like most everything, it is best to plan for situations that could affect your life.<span class=\"Apple-converted-space\">\u00a0<\/span>If your employer does not have DI, you can purchase \u201cpaycheck protection\u201d from an insurance company.<span class=\"Apple-converted-space\">\u00a0<\/span>These plans vary from company to company and it is advisable to secure help from a qualified insurance agent.<span class=\"Apple-converted-space\">\u00c2\u00a0 <\/span>He\/she can help you identify your needs, the plan, and the benefits best for you.<span class=\"Apple-converted-space\">\u00c2\u00a0 <\/span>Think it can\u2019t happen to you?<span class=\"Apple-converted-space\">\u00a0<\/span>Ask one of the 41% of the 35-year-olds if they thought it would happen to them.<br \/>\nTo gather information on disability coverage, who needs it, and how it would work for you see the following resource<b><i> <\/i><\/b><a href=\"https:\/\/www.mrms-inc.com\/income-protection-insurance\/\"><b>http:\/\/MRMS-INC\/income-protection-insurance\/<\/b><\/a><b><i>.<\/i><\/b><i><span class=\"Apple-converted-space\">\u00c2\u00a0 <\/span><\/i>DI is an area where you will, most likely, need the assistance of a professional insurance agent.<span class=\"Apple-converted-space\">\u00c2\u00a0 <\/span>having your medical bills paid by insurance is good, but having money to live is critical.<span class=\"Apple-converted-space\">\u00a0<\/span>Feel free to contact our office for questions or additional information concerning your situation.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Do you know anyone whose life changed in a moment?\u00a0Maybe it was a promotion or learning that they would be a mother or father. Other times it could be a terrible accident, a lab test, or an abnormal x-ray.\u00a0It\u2019s nice to be able to prepare for such things as having a child and it is [&hellip;]<\/p>\n","protected":false},"author":5,"featured_media":17655,"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":[166],"tags":[],"class_list":["post-4016","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-financial"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>What is Disability Insurance and Life Change - Living By Your Design, Inc<\/title>\n<meta name=\"description\" content=\"What is disability insurance and how can it help you in the case of an emergency in your family and income? 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