I live, write, and garden in the PNW with my husband of 27 years, disabled daughter, college-aged son, and my 84-year-old mother. We have paid off $250,000.00 worth of debt (if you include the interest) in the last fifteen years and as of 6/12/2020 are 100% DEBT FREE!!!!We have finally gotten to the point where we are talking about getting disability insurance for DH. So far he's been really lucky about not getting hurt in the workplace, but as he gets older we've started to worry a little bit about this, because he does work in an environment that is often icy and trips can and do happen often up there and cause a lot of damage to people. He's known enough people who have had to take a couple months off work while their soft tissue recovers.
Now for the question about me. Do I need it? Or would they even give it to someone with no income? I mean I really am partially disabled as it is, but it does not interfere with me doing my job as a stay at home parent of taking care of the kids (too much). I just worry that one day something might. And then we might need to be able to bring someone in to help.
I know I should talk to our agent about this, but I don't want to sound like an idiot when we go in, either.
Disability Insurance
August 18th, 2011 at 10:56 pm
August 18th, 2011 at 11:10 pm 1313709042
I know too many people with perfectly safe office jobs who have become permanently disabled. Freak accidents, random medical conditions, on and on and on. Disability insurance is important for everybody!
That said, I would expect premiums to be on the higher side considering the risk that comes with your hubby's profession. (Disability insurance for me is dirt cheap, on the other hand). Just, FYI.
August 18th, 2011 at 11:49 pm 1313711357
August 19th, 2011 at 01:45 am 1313718313
August 19th, 2011 at 05:08 am 1313730538