The weather is starting to get colder and the holidays will be upon us before we know it. I love this time of year but it can be dangerous if we aren’t careful. ‘Tis the season for falls! With holiday decorating, ice and snow, and winter sports, falls can be a big part of the Fall and Winter seasons.
Did you know that falls are the number one reason why people go to the Emergency Room? The number one injury from a fall was fractures; specifically hip fractures. Not only does this mean medical bills to pay but it can mean time missed from work or something more serious. This has gotten me thinking about ways I can protect not only myself but my family as well from any financial hardships.
Fall is the time when most employers offer the chance for you to renew your health and voluntary insurance policies. Make sure you do your research before signing up because they are not a one size fits all plan. What might work for a single person will not work for someone older who has a family to support. An Aflac survey found that many workers do very little research to learn which plans and products really work best for them. In fact, 34% of employees spent 15 minutes or less researching their benefit options in 2014.1 Make sure you do your research so you will have adequate insurance protection!
Now that I have a daughter, I am looking into getting Life Insurance and maybe Disability Insurance. I want to get this not only for myself but for my fiance as well. You never know what might happen and I want us to be able to handle it financially.
If my fiance were to get hurt this season, health insurance will cover his medical bills but what if he has to miss time from work? Disability Insurance will help cover things like deductibles, car payments, utility bills and more. I think this is so important for people with children. You have to make sure that you can still provide for them even if you are unable to work.
The other type of insurance that I feel is very important is Life Insurance. I want to know that funeral expenses, unpaid bills, and more will be taken care of. It could even help cover my daughter’s college education. It will give me peace of mind that my family will not be burdened when I can’t be there to help. These are the types of voluntary insurance policies we are looking into now. Becoming a parent really puts things into perspective!
So, this season please be careful when hanging the lights, going skiing, putting the star on the Christmas tree, or whatever else you may have planned for a Merry Holiday. Make sure you always have help. I highly advise doing a lot of research on your insurance options offered to you. Hopefully, you will never have to use them, but you will be so glad that it is there when you need it.
1. 2015 Aflac WorkForces Report conducted in February 2015 by Research Now on behalf of Aflac, accessed Sept. 2, 2015 – http://workforces.aflac.com/
I was selected for this opportunity as a member of Clever Girls and the content and opinions expressed here are all my own.