Many workers have group long term disability plans through their employer, and this is certainly advantageous for most occupations. However, some occupations require a disability income policy that offers stronger protection, such as individual disability insurance for doctors. Doctors live by their skills and abilities and a disabling illness or injury can make it impossible for them to carry out the duties of their occupations, which can jeopardize their earning potential. A disabling injury or illness can lay waste all the years of education, training, and experience physicians worked so hard to build, leaving them unable to earn an income. Nevertheless, even with the clear benefits of a DI policy, many people are still hesitant to purchase one. As their trusted advisors, your job is identify and overcome the obstacles that keep them from buying disability income protection. Whatever the obstacles may be, peace of mind is a strong motivator for everyone, without exception.
Many workers have a small basic group Disability Insurance policy a their place of business. These types policies while good are woefully inadequate of but the most simple cases. But that is hardly even a concern anymore. In this new type Economy 2.0 those types job with blue and gray collar worker benefits are shrinking fast.
One need not always think about Disability Insurance in term of some horrible accident that may befall you at any time. When I'm describing Disability Insurance to a client I speak in terms in which they might understand easier. Paycheck Protection.
I tend to speak in terms of Paycheck Protection. Because that's really what it is. When one becomes sick or injured It is the protection that makes owning all other assets possible. Think about that for a minute.
If you lose right now for some strange unforeseen reason how long would it be before your lender begins foreclosure proceedings on your home? 30-60 days late? What would you do? You would first use go through your savings and when that was gone maybe sell a few thing but at some point, it gone. And there’s no rich uncle coming to the rescue. At some point foreclosure occurs and what was your castle is gone ((poof)) just like that. Ya think the spouse is gonna be happy about that? What about the kids, what are you going to tell them? Daddy (the king in their eyes) lost his castle.
With Paycheck Protection you don't have to worry about that. If you are rather young and healthy for $85 per month you don't have to worry about it.
I'm guessing that many reading this may pay more to insure their car than would to insure their paycheck and livelihood and self-respect. Think about THAT for a minute.
That is shocking for most people to imagine and comprehend.
For Professionals such as, Physicians, Dentist's,, Attorneys, Accounts Paycheck protection is an easy sale because the need is SO incredibly high. They understand the need right away.
But these days in this entrepreneurial economy many non-traditional Disability Insurance buyers are prefect for the coverage. Think about professions such as even the Programmer or those in Retail or the Electrician or the Brick Layer, or what about the CHEF! OMG, I just thought about all of the Chef's in the country who need this in the worst way. And then all the other high-level professional kitchen employees who are absolute naturals for this type of paycheck protection.
If all of this talk Paycheck Protection has hit a curious red sore spot for you then please give me a call ASAP and let's talk it out and see if you lost your paycheck tomorrow how long would it be before the collection person came calling.
Speaking of which, If you choose I can be your trusted advisor on this so call me at:
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