Disability insurance: 5 crazy reasons to offer paycheck protection

By Steve Savant

People do the craziest things, whether they’re working hard or playing harder. Fueled by misjudgment, lack of concentration, poor preparation or just plain carelessness, some people have a knack for turning an enjoyable weekend into a disabling injury that knocks them off the job for a while.

As the saying goes, anything can happen at any time, so it’s vital to educate your customers and prospects about paycheck protection insurance. From Weekend Warrior Diaries, below are five unexpected reasons to tell clients about paycheck protection.

1. While on a weekend ski trip, an attorney decided to show off her jumping skills and sailed into a large tree, resulting in a skull fracture, a concussion and three months off work.

2. While a small business owner tried to save money by doing a DIY repair job on his company’s roof, he accidentally knocked over the ladder. In the process o jumping to the ground, he suffered two broken ankles. Next time he’ll have business overhead expense coverage before he goes overhead for a roof repair!

3. While texting and walking at the same time, a college professor tripped over a parking curb and smashed face-first into the pavement, suffering broken wrists and multiple cuts and abrasions. The hard lesson: Disability can happen anytime, anywhere.

4. While working on his home’s outdoor electrical box, a dentist was attacked by wasps. As he yelled and waved his arms around, his neighbor thought he was being electrocuted and struck him with a shovel to push him away from the electricity. The well-intended deed resulted in well-over five months of disability for the resulting shoulder surgery.

5. While stuffing birthday balloons into a minivan, a busy mom (who is also an accountant) slammed the car door on her hand, suffering a severe crush injury that drove her off work for 12 weeks.

These weekend warriors clearly never planned to be disabled, and that’s exactly the point — nobody does. That’s reason that it’s crucial to communicate the importance of this coverage. And while these examples all involve injuries, the leading cause of disability is actually illness. Cancer, stroke and heart disease cause countless disabilities every year.