"I know," no one ever thinks about the unexpected
happening to them, "right?
You're probably thinking about now... "What type of 'unexpected' is she talking about?"
How about if you were out riding your bike one day and you, just for a split
second, turned your head to check for oncoming traffic and 'BHAM!" you slam into a truck just as you turn your head back around that is crossing right in front of you.
You don't even know what hit you as you're thrown a few feet away from the impact, luckily you had on your helmet, but on my...
All you know when you wake up a few days later in the hospital is that you no longer can feel anything from your waist down because your spine was damaged from the impact when you were thrown. Your neck is in a brace because it's broken, your badly bruised and have multiple skid burns on your face, arms and legs.
Oh, and did I forget to mention you're only 24 YEARS OLD?
Do you think your life and lifestyle will now be dramatically changed?
You were just about to complete college, you had a job, your own apartment...it's going to take months between healing and rehab. And, "yes," there is a pretty good chance you will be confined to a wheelchair the rest of your life.
How will you pay the outstanding medical bills you now discover your medical
insurance will not cover along with other out-of-pocket costs (copayments and maximum out-of-pocket costs), along with your rent, car note and insurance and outstanding college debts?
"Hold it!" ....I have a check in YOUR NAME for $100,000. "Here!"
Oh "that's right". No check for you because you didn't want to take the life insurance policy with the 'Living Benefits' that would have protected your income from erosion in the event of the "UNEXPECTED".
This is a true story.
