Being Prepared for the Unexpected
As I sit at my desk, listening to Christmas music, it always takes me back to when I was a kid and how excited me and my little brother would get for Christmas morning. He always wanted “big” gifts like weights and a weight bench, and I always got lots of smaller gifts. And although he got what he asked for, he always had to sit and watch me open more presents. Now we are hardly young ones anymore and have kids of our own (even though all but one is an adult and living on their own) I still get nostalgic. But recently my brother had and is still dealing with a serious health concern. He was back in Kansas to watch his youngest boy play his senior football game on a Friday night and by that following Monday was on his way to the hospital. He spent a week in ICU here in Salina before going back to Mississippi where he was in and out of the hospital before being admitted for the third time which is where he still resides.
He has septic (blood infection) and then MRSA and was very, very sick. This all started on October 23rd and continues today with him going to skilled rehab for an unknown amount of time at this point. My brother is self-employed. He has health insurance through his wife’s employer, but he does not have disability income insurance, nor does he have extended care coverage. All of which could come in real handy for his wife as she tries to navigate their future. We are hopeful he will make a full recovery, but we didn’t have that hope until this past Friday.
My brother knows his road to recovery will be long and painful and he’s willing to put in the work, but he will be doing so without any income coming into the household. I had an aunt ask me if he would mind if a Go Fund Me Page was started. I said, “No.” His pride will not allow for him to accept those funds. I ask you to stop and think about the people you love. The people you care about and your clients. Life happens and it usually happens when we least expect it and the worst time. You are not pushing premiums for a commission. You could be the one thing keeping a family in their home, keeping their family fed, or keeping them from financial ruin. #disability #LTC #HaveAPlan