I had a long talk with myself, a luxury of being bipolar, about death and the protection that a well thought out life insurance program can give loved ones or business partners. But then I took a step back and looked at it from the perspective of what if a person doesn’t die from whatever illness or injury caused a loss of their wage earning capacity and left them disabled and unable to provide the income. The end result is a lot like death except that you get to hang around and watch the aftermath. Worse yet, in the absence of disability income insurance, you get to be part of the problem, incurring expenses, instead of part of the solution and paying for them.

It seems like years ago, but it’s barely been nine months since I suffered a traumatic brain injury. Never mind how I got there, but the knock I took on the back of my head doesn’t seem like all that big a deal compared to all the ways I’ve whacked myself around through a life time of sports, fun and injuries. But this one, this TBI (never knew the term before) was in just the right spot and caused just the wrong damage and has rendered me mentally, at least so far, incapable of doing the job at the level I could ten months ago. I’m not completely out of the game and in fact, some days I’m completely in the game (my perception), but to say that I am disabled, unable to perform the duties of my job, is a fair statement.

But the point I want to make about disability and the need for disability income insurance is that, like life insurance and death, we never know when or what direction it will come from. If someone had asked me a year ago the top ten ways I could become disable and unable to work, I would have been hard pressed to come up with five and none of them would have had anything to do with my mind. To my way of thinking then losing one’s cognitive ability was something that happened over time, not suddenly and profoundly. To go from a prolific blogger and a person that made my living via email and phone to a challenged blogger, challenged writer of email and, at times, hard to understand on the phone, in short order just didn’t seem possible.

Bottom line. I may stick to this subject for a while, not just because it’s timely for me, but because I finally get that disability, like death, can come from anywhere at anytime, and cause the same profound impact on businesses and families in the absence of life or disability income insurance. If you have questions or would like to find out what it would take to add disability income or life insurance to your portfolio, call or email me directly. My name is Ed Hinerman. Let’s talk.