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To people acting like everyone ends up in debt on purpose, feel lucky that you’ve not had financial disaster strike. Means can change in an instant, and what you thought was a huge safety net can be gone to a bad accident or hospital stay as quick as you can blink.
Facts. I had a major health issue essentially overnight, no long term disability but decent health insurance. Maxed out my deductible 2 consecutive years, was unable to work for 10 months. Still in medical debt with no savings almost 3 years later because of this setback. Hoping to get the debt paid off in the next year and start saving up again.
Yep. Hurt my back and needed surgery, was out of work for 3 months, literally the week after I returned to my job my wife had a severe neck issue that took 9 months to diagnose then 6-12 months to recover from after surgery. So one of us has been out of work almost non stop for almost 2 and a half years now, in addition to accruing a ton of medical debit. And I have really decent insurance, but the max out of pocket is like $5000-13000 for my family. And my premium aren’t cheap either. It’s unfortunate.
I'm sorry to hear that and i hope it gets better for you and your wife. It's not easy hitting those deductibles when one or both of you aren't able to work.
Reading accounts like this has made me realize I should worry about disability insurance coverage more than life insurance. That extra 600 bucks a year or whatever for the add on disability insurance to give me 50% more coverage seems worth it to me. Hope I never need it, but 25 bucks per paycheck seems worth it for extra peace of mind and security.
Im guessing thay you're in the US and you're referring to "long term disability insurance". To anyone else in the US considering LTD and thinking "$25 is a lot a month, I could afford it but the insurance doesn't seem that important." Please look into the rules in your area. In some cases, if you don't have LTD you're health insurance ends when your Short term disability ends if you cannot still return to work at that time. LTD may keep your health insurance going in a time when you will most need it for you and/or your family. It could mean the difference between being back at work in 2 years and losing everything. If you can afford it you should probably get LTD.
So I guess I am lucky that my employer offers basic LTD? For me the 30 bucks is the supplemental add on to get the standard 40% salary coverage increases to 60%. To me that's 600 or 700 bucks a year in cost that is going to be the difference of thousands of dollars a month if I end up needing LTD.
Know what's fun? Waking up at 2 am and having to grab your family and whatever you can carry, because the river is now in your living room.
So many people are, as you say, in debt for reasons completely outside of their control. And it doesn't take a lot. Bad transmission in your car, or a surprise medical bill, tree limb landing on your roof...
What if I am european?
The article is talking about Americans...
Don't you worry, I'm sure they will find a way to ruin your lives given time too. Lots of public Healthcare places are already starting to tighten the noose.
The Tories have been trying to kill the NHS for decades.
Medical issues are not the only thing that can wipe out a year of salary in an instant. It’s just a straightforward example for a very large population, disaster isn’t going to be the same for everyone and if you’re someplace with strong safety nets be glad they’re there and SUPPORT them. Because I’m willing to bet you have at least one politician who’s suggested taking them away. And what may seem ridiculous today might suddenly be what’s happening if people don’t stay on top of protecting those safety nets.