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A
disability isn’t always caused by a devastating accident or illness.
It can mean a health crisis that takes away your ability to earn
a living as you always have. That was the case for Alysia Lim’s
father. An aneurysm, and resulting surgery to address it, has
made it impossible for him to continue working as an emergency
room physician. But Dr. Lim had prepared for the unforeseen with
adequate amounts of insurance, including disability insurance.
Now
he works as a professor at a local college, but his drop in salary
has not changed the way the Lim family lives. His disability insurance
has supplemented his income, allowing the Lims to stay in the
dream house they built and to maintain their lifestyle.
This
lesson hasn’t been lost on Alysia. She had thought her dad overprotective
when he would mention that if anything were to happen to him or
Alysia’s mother that the kids would be taken care of with the
help of insurance. Alysia admits that her dad was right. “It’s
a good thing he planned ahead,” she says, and adds that now she
really understands the importance of preparing “for whatever may
happen.”
