Did you ever have to park far from the main entrance at a shopping center, just to see someone parked in a “handicapped” spot who comes out of the car and is not in a wheelchair? You may be tempted to think that they’re just taking advantage of the system or just using a relative’s car with the disabled’s permit. Some invisible illness can be the cause of their disability.
When I started working with the Disability Center I realized that many illnesses don’t necessarily put you in a wheelchair, but they still can impair you from having a normal life or keep a full time job. Also, out of all claims for disability insurance only 5% were due to an accident, 95% were caused by illnesses.
Some of our clients who called in to file for disability insurance benefits were unable to work at their full capacity from reasons like severe headaches, depression, autoimmune disease, cancer and other illnesses. One common denominator (other than their inability to work, or work full time) was that none of these clients actually had to be in a wheelchair. However, they did qualify to receive monthly disability insurance benefits to replace the income lost due to their ailment.
Unless you had to care for someone who has been disabled by an invisible or visible illness, you may not realize the odds of being hit by an illness are higher than you think. You have one in four chances of dealing with a disabling injury or illness that will keep you from working, for a period of three months or longer. Can you afford a three month vacation? If not, you should have some disability insurance protection in place if you ever need it.
If you have any questions or have been affected by one of the invisible illnesses, ask to speak with a disability insurance specialist: Disability@LifeGuy.com or call 877-LIFE-GUY. Our disability insurance experts are licensed in all 50 states.