Think of your life line/your household income as a garden hose. All of a sudden, there’s a slight kink in the garden hose and there’s not enough coming in to meet your needs. If this is a short term problem, you may be able to work your way through it. If this is a long-term problem, it may affect your family now and into their future. Their education and their well-being.

These types of disabilities can happen to any of us at any time. There are statistics and stories and possibly we all know people that have had an unfortunate thing happen. If you are employed by a corporation that offers you some short term, or a combination for short and long-term disability, you are very fortunate. Please understand the value of this benefit.

If you do not have it through your work place or if you’re self-employed, by all means, let’s look into this. This could make a huge difference to everybody under your roof. I have given you a link to my website that is a good pictorial for individuals and business owners so you can get an idea of why everyone should protect their income and savings from the risk of a disability. These products are offered to individuals as well as employers for their employees. A wonderful gift for any employee would be the offering of benefits. Let’s take a look at this in both markets, the individual and the work place market and know more about it. It is not expensive, but could make the difference.