As painful as it might be, imagine you or a family memmber having a health issue or injury that has an extremely long recovery time. Or worse, one that may not have a recovery but needs proper care. Now imagine without income from being able to work how to pay the basic bills and the medical needs. Help is available and there are insurance products in place to provide families with financial assitance for lost income and for ongoing care.

Disability insurance is a product that provides a source of income when someone is injured or sick and unable to work for a prolonged period. Short Term Disability can be purchased to provide funds for shorter periods such 7 to 60 or 90 days while Long Term Disability can continue income beyond the short term 60 or 90 days up to as long as you might need it.

Long-term care has been defined as “medically necessary assistance, recommended by a physician for the treatment of a chronic illness or debilitating injury on a long term basis. Recovery is usually not expected. Care is oriented toward helping a person function, not toward a cure.” Long Term Care insurance provides you with help for assisted living situations, which sometimes can include special equipment, housing, and personal assistance either in your home or a special facility.

Love, Douglas & Pope Inc. hopes that you never find yourself or family member in such a situation. However, if this were to happen, wouldn’t it be reassuring to know that you’re financially covered?