Читать книгу Home Buying Kit For Dummies - Eric Tyson - Страница 43

Your ability to produce income should be insured. During your working years, your future income-earning ability is likely your most valuable asset — far more valuable than a car or even your home.

Long-term-disability insurance replaces most of your lost income in the event that a disability prevents you from working. Major disabilities are usually the result of accidents or medical problems — occurrences that, of course, can’t be predicted. Even if you don’t have financial dependents, you probably need disability coverage. Unless you’re quite wealthy and no longer need to work for income, aren’t you financially dependent upon your paycheck? Although many larger companies offer long-term-disability insurance, many small-company employees and self-employed people have no coverage — a risky proposition.