Your greatest asset is your ability to work and earn an income. Without that income, you and your family could face dire circumstances in the short and long term. Although it's not a pleasant thought, the reality is that it happens more often than we think. Depending on the disability, you could be forfeiting a lifetime of income, in addition to dealing with the physical and emotional challenges of your unexpected situation.

Most people have some savings they could liquidate in the short term. But longer term, would you be able to maintain your current lifestyle, look after your children's education, and save for retirement month after month, year after year?

Here is the sobering reality:

• Banks are unlikely to view you as a good risk if you are unemployed, so it will be difficult to borrow money.
• If your spouse works, they may be able to bring in some income but may also have the added burden of single-handedly acting as spouse, parent, employee, and caretaker of family and household needs. The pressure would be enormous.
• Upon disability or in any urgent needs situation, you will find that your assets' "fair market" values are quite unrealistic.
• Government assistance may be an option. If you qualify, you will still face the emotional struggles that come with it.

We can help you ensure you still have an income if you suddenly found yourself unable to work. Contact us to find out how we can help you get the disability coverage you need.