Entrepreneurs are known to work long hours and a great motivation to get to work regardless of their health. There is a saying which would only come from a self-employed person, “If I’m not at the office, it’s because I’m dead.”
However, many self-employed entrepreneurs are at risk for disabilities due to the stress of their workload and lifestyle. Those who suffer a long-term disability are at risk to lose everything because there is no cashflow or livelihood if they are unable to come to work.
Common Causes of Disability
Disability insurance is the most overlooked protection by those who are self-employed. Yet if a long-term disability occurs and you must close the business, disability insurance is the only tool that will provide you with a constant income for family and personal needs.
Business owners often say that they are the last to get paid - and in many businesses that is a true statement. But if you are last to be paid when you are healthy, what will happen if you cannot work for 2, 3, or 5 years?
At Vistaplan Financial Group our focus is to help you first understand the complexities of disability insurance.
Call us if you would like a quote that fits your budget and a plan that provides you the peace of mind you are looking for.