Me, disabled? Not in a million years! I'm healthy. I eat right. I have no intention of becoming disabled. And my husband? Of course not! That kind of thing isn't going to happen to us.
That was a nice world to live in, but it all changed with a single phone call.
"Get your affairs in order. You have two to five years to live." We listened in disbelief to the news that my husband had Stage 4 liver disease and Hepatitis C. I believed if you thought positively and visualized the outcome you desired, you'd have it. "David just needs to think positively and he'll get over it."
Little did I know what a roller coaster ride the ensuing years would be!
From a promising future, to a life of wondering if I would find him dead or alive when I returned home from work. He sufferred auditory and visual hallucinations, major depression, and potential violence. I learned first-hand how far-reaching a disabling illness can be.
It’s been eight years now, and it is still not over. David beat the odds: he is not only alive, he is in remission although he is still under psychiatric care.
While we couldn't have done anything about the liver disease or hepatitis c, we could have prevented the financial impact that his debilitating illness continues to have on us eight years later.
Like David and me eight years ago, many people think their disability insurance coverage provided through their employer is adequate. They don't realize that group disability income insurance policies, when provided through their company, likely will not sustain them through a lengthy illness and recovery.
I'm on a mission now to educate people about long-term disability plans and the gaps inherent in the employer provided options. I'm passionate about this mission because I'm living through it.
Facing the loss of someone you love dearly is difficult enough. Worrying about finances makes it worse. I do not want another family in Dallas, TX to have to WORRY about their income when the attention needs to be on the recovery of a loved one.
Many people think they can rely on their savings. We did. But the burning questions are: Can your savings last as long as the disability and recovery? Is this really what you are saving for? Most people don't know that just one year of disability can wipe out 10 years of savings if they're saving 10 percent a year! And should they require full disability, many are unable to keep making retirement contributions because they are just trying to survive.
Their focus becomes the present, not the future.
When you’re worried about having any milk in the refrigerator or gas in the car, who can think about their 401(k) or IRA?
So please let me help you, educate you, and share my hard-earned experience with you. In this way, we can work together to make sure your family is better prepared than mine was
For disability insurance in Dallas, TX you can reach Randelle at: 972.492.5345 or randelle@disability-dallas.com
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