Short-term disability : Broken leg or hand · Prolonged sickness, like glandular fever · Arthritis, back pain or joint disorders · Chronic digestive disorders · Anxiety, depression or other mental health condition · Pregnancy and maternity leave, Long-term disability : Osteoarthritis, chronic back pain or slipped disks · Accidental injuries, like car accident trauma · Heart problems · Circulatory conditions, like coronary artery disease · PTSD and other chronic mental health con...
worker, it may be tough to imagine a scenario where you are unable to work and provide for your family, but unfortunately, short-term or long-term disability may be more common than you expect.
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Our guide to life insurance quotes allows you to compare quotes online and gives you the information to understand what affects a life insurance quote.
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Add income. The golden rule is to buy a policy that can replace your income and cover your family’s cost of living for five to 10 years. To do this, multiply your salary by five or 10. ; Add financial responsibilities. Include the costs of all of your expenses now and any future expenses you can expect, including childcare, mortgage, car payments or even college tuition. ; Add final expenses. Tally up the cost of your end-of-life arrangements such as burial costs.
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