Short-Term Disability Insurance Can Be Your Dearest Friend In a Time Of Need
I’d never thought much about short-term disability insurance until that fateful day in December when my husband took a spill on some sidewalk ice while out getting the mail. He had an ankle injury that caused a great deal of discomfort for a decent stretch of time. We worried that it was broken, but when we went to the doctor, we discovered that it was only a sprain. Learning that we would not need to pay most of our savings into doctor’s bills went a long way toward making us feel much better.
We were struck with the sober realization that as we didn’t have any short-term disability insurance, a real broken ankle could be a major problem. We don’t have health insurance from a company plan because we operate our own small business out of our home selling pottery. It dawned on us that we should start the search for a private insurance plan that included short-term disability insurance. The problem with this ambitious goal was that there were no instructions regarding how one should look for private insurance plans.
We discussed calling an insurance agent, and eventually decided to do so. We somehow ended up with the biggest bonehead in the insurance business as the guy only wanted to convince us that boat insurance was the key to a happy life. We walked out without purchasing anything from the guy. It should have been obvious, but finding something that the layperson could intuitively understand was harder than we expected. We attempted looking online, but had no means of figuring out which websites were scams and which ones offered legitimate insurance services.
One feature that we also required in an insurance plan was maternity health insurance which was even harder to find than the short-term disability insurance. We were not expecting a baby any time soon, but we had examined the possibility and did desire to have kids before we got too much further into our 30′s. This ended up being a major sticking point with us, because we wanted an insurance plan that would cover both short-term disability and maternity.
It was just so hard to know what to do, as there was no one handy to give us help and suggestions on sorting through the distinct plans available. It seems that there is a difficulty with how health insurance plans are presented to the general public, especially individuals who do not find their employment in the traditional way. In the end, after weeks of looking, we were informed about a website that had the appropriate information told to us in an honest way.
All the desired info is available within Short Term Disability Insurance or Maternity Health Insurance.
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