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> if your income depends on showing up to work daily, all of that can go away with a single health incident which leaves you unable to work. Yes, but there are
by RhysU 4y ago
> if your income depends on showing up to work daily, all of that can go away with a single health incident which leaves you unable to work.
Yes, but there are long-term disability insurance policies available for purchase that largely remove that risk. It's a cost, of course.
And, at least in the US, there are public programs that provide disability coverage already figured into one's taxes: https://www.ssa.gov/ssi/ https://www.ssa.gov/ssi/
- acdha 4y agoWhich somewhat reduce that risk. People on SSI are usually struggling, not affluent, and actually getting those benefits can be a struggle for people with conditions less clear cut than, say, losing limbs. I’m not saying they’re not worth having but again that there’s a big gap between someone being rich and a middle-class worker with decent active income.
- RhysU 4y agoDefinitely, the SSI application process can be onerous. It is meant for people who can do no job not just their pre-incident job. Definitely, SSI is not a full-time job income. That's why a worker with decent active income should look into private, long-term disability insurance.