I don’t get sick. It is just something that never happens to me. In fact I have been at my current job for six years, and have never, not even once, called in sick or left early because I was sick. It has been a real blessing because I am sure nobody actually likes being sick.

So when the subject of long term disability insurance came up, my thought was that disability insurance was not for me. Even when the agent for the disability insurance companies pointed out the scary statistics about how many people become financially ruined because they did not have his product, I was not swayed.

Well I didn’t get sick; instead, I got hurt. I ran off the road when it was raining and hit a tree and screwed up my back something fierce. My medical insurance covered a lot of the medical stuff but not all of it which seriously bit into my savings. And now I can’t work and the money is running out. I tried to get on social security disability, but it was denied. I have heard that most people get denied, but I am going to keep trying. I am seriously concerned that this may lead to my financial demise.