Do You Believe "If I Can Think & Type, Then I Can Work"?
Unfortunately, this is a dangerous reality for many people in the IT industry when considering buying disability insurance. It could not be further from the truth, but the human brain is good at justifying our decisions. The reality is that roughly 90% of all disabilities are illness-related, and an accident1 causes 10%. Cancer does not care what you do for a living. Neither does heart disease, ALS, Multiple Sclerosis, diabetes, lupus, or any other illness that can prevent you from bringing home an income.
Could you do some items from home while dealing with an illness? Sure, you can, and hopefully, an illness will not hinder your ability to do so. With a high-quality disability insurance policy, you have all the options available. You would not be forced to work at the worst possible time to put food on the table. Your policy gives you all the options and allows you to focus on your health during an unexpected illness or accident. In reality, an illness does not care what you do for a living. It is going to cause you to be disabled the same way it would a physician or plumber.