The thought of being Totally and Permanently Disabled is actually more confronting than death may be to people.
How would you not only deal with the emotional toll of becoming Totally and Permanently Disabled but the financial consequence as well?
Not only clearing your debts (home loan, credit cards, and business loans) but also seeking the best available medical treatment become big priorities. And this is where Total and Permanent Disability Insurance can take the financial headaches away and allow you to focus on adjusting to your latest medical impediments.
You have to remember that getting a lump sum payment from Total and Permanent Disability Insurance means a life changing diagnosis has been made; it’s not just a broken arm!
Things such as Quadriplegia, paraplegia, Multiple Sclerosis and Motor Neuron Disease. Medical conditions which there is no recovery from – Its Total and also Permanent.
As you can imagine, the cost of modifications to your home, perhaps even changing homes, might be required depending on the degree of impact and the way your home is set up. The cost of personal in home care might start to bite, and is often not covered by the cost of health insurance and wont be picked up by Medicare either.
So you need to look after yourself and your family, and when you do the sums, its not a big cost relative to the benefit that you would receive in the event of being diagnosed as Totally and Permanently disabled.
GNS Group can’t prevent these tragic illnesses or injuries from occurring, but we can give you and your family the peace of mind that you will not be a financial burden on them.