Do you have a family history of cancer, heart attacks, Alzheimer’s, or strokes, and fear that you might be prone to a critical illness, as well? What will happen if you are left incapable of working due to a sudden long-term disability that takes you away from work for an extended period? Have you thought about how you will take care of your financial expenses, including medicine, along with everyday expenses such as utilities, car note, rent/mortgage, childcare, etc.?
With long term disability coverage, the majority if not all of your financial expenses will be covered. So, instead of exhausting your savings, you will be able to relax with peace of mind knowing that you and your family have an insurance policy that covers your expenses when you are unable to.