Anita’s Tale – The Threat of Not Having Long-Term Disability Insurance

Anita was successful, by all accounts. She had a happy marriage. Her daughter was smart and talented, and her new business was thriving. It was an exciting time, but it changed dramatically for the worse.

Winter set in, and Anita was working longer and longer hours filling orders for her clients. She knew she wasn’t taking the time she needed to let her body rest and heal, but she couldn’t justify the downtime.

Not long after, she ended up in the emergency room. She was diagnosed with pneumonia and COPD, and ordered to take meds and get bed rest. Her health insurance paid for the time in the hospital, as well as for the doctor’s bill and her antibiotics.

The problem was the time she was forced to take off from her business. It would be weeks before she was up and about, and months before she was really back in the action. Without her at work, there was no one to fill client orders or do the work. Her income dried up, and the situation only worsened as her bed rest continued.

Ultimately, Anita’s business almost failed outright, and her family was put into a very serious financial situation simply because there was no way to offset her loss of income while she was recovering from her illness.

This situation could have been avoided completely if Anita had had long-term disability insurance. A comprehensive policy would have provided her with the income she lacked while out of work, ensuring that her family wasn’t affected by that loss of income.

Millions of Americans are in the same situation as Anita – a single illness could spell financial disaster. An unexpected accident could mean ruin.