Don’t Be Without Long-Term Disability Insurance
Think you can skip long-term disability insurance? Think again.
Many of us don’t like to think about the imminent future. While there may be possible accidents and incidents looming, many of us still don’t hold the right insurance coverage. Long-term disability insurance is a coverage that so many of us overlook, but prove incredibly valuable when put into practice.
At 26, Michael Sizemore was living two of his dreams. He was an athlete, training to participate in his first marathon while he was enjoying his new position advocating for the unemployed and disadvantaged in his community through a non-profit organization. After years of study and earning his masters degree in public administration, he felt prepared to start his life’s mission of helping others.
Both those dreams came crashing down around him one night while he was out with friends. As they were walking across the street, a drunk driver ran a red light at high speed and hit Michael. Unfortunately, his injuries were so severe, including major head trauma, that doctors were unsure if he would survive. He was placed in an induced coma and his family hoped for the best. There were countless surgeries to treat his head injuries, repair his shattered legs, and address the multitude of other injuries he suffered.
Through strength, determination and a lot of rehabilitation, Michael is improving every day, including being able to walk again. But during the three years it has taken, he has been unable to return to work. Instead, he has relied on the long-term disability insurance he had through work, which replaces a percentage of his salary. With it, he’s been able to pay his rent and utilities, and afford to keep his truck.
While his life will never be as it was before, Michael is hopeful that he’ll be able to work again soon. And he credits his disability insurance with helping him get there. “I’m still rebuilding my life and myself,” he says. “My disability insurance has been key. I wouldn’t be where I am without it.”
Don’t be without long-term disability insurance. For a quality insurance policy, visit the trusted team at Falsken & Associates Insurance Agency. We serve Thousand Oaks and neighboring cities in California with top-tier policies.