When you have been diagnosed with a severe medical condition or if you suffer serious injuries, you may wish to speak to a Kirkwood insurance attorney about your rights. Benefits may be available through your long-term disability insurance in Missouri.

The Importance of Long-Term Disability Insurance in Missouri

Most people don't think twice about insuring their cars or homes. The chance of an accident or damage occurring to these items is enough to warrant protection. However, many workers don't think about what will happen if they are damaged by sickness or injured in such a way that they are no longer able to work.

Most workers don't think about becoming sick or getting injured because they believe if it does happen, it won't be until later in life. According to the Social Security Administration (SSA), even someone in their 20s has a 3 in 10 chance of becoming disabled before they ever reach the age of retirement. 

And according to the U.S. Census Bureau, you have about a 1 in 5 chance of becoming disabled. The odds of getting sick or injured are higher than you might think.

Not only is the risk of being out of work fairly high, but the amount of time you are without income may also be a surprise. The Council for Disability Awareness indicates that the average disability for a worker lasts 2.5 years. Can you manage your family without income for that long?

Just as we protect our belongings, we should also protect what is perhaps our most valuable asset, our ability to work. This is why obtaining long-term disability insurance is so important. Yet even those who do carry it might find collecting benefits difficult for a variety of reasons. If this is the case, then you should contact a Kirkwood insurance attorney.

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