Why Disability Insurance

At 26, Michael Sizemore was living two of his dreams. Ever the athlete, he was training to participate in his first marathon. And he was enjoying his new position advocating for the unemployed and disadvantaged in his community through the nonprofit organization where he worked. After years of study and earning his master’s 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 a Washington DC street, a drunk driver ran a red light at high speed and hit Michael.

Merits of Disability Insurance
Disability Insurance

His injuries were so severe, including significant head trauma, that doctors were unsure if he would survive. He was placed in an induced coma, and his parents rushed to his side. There were countless surgeries to treat his head injuries, repair his shattered legs and address the many other injuries he suffered.

Through strength, determination, and rehabilitation, Michael is improving daily, including walking 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, and I wouldn’t be where I am without it.”

This is why Disability Insurance should play a part in your financial plans.