The 5 Biggest Myths and Hidden Truth About Disability and DI

Early in my insurance career, I began working with a young attorney. He had been in practice for 10 years, was married with two young children, and seemed to be an ideal prospect for life and disability insurance. There was just one problem — he thought he was invincible.

“And if I do become disabled, you can just prop a phone up to my ear and I’ll continue to earn my living,” he’d say. Fortunately, I had the presence of mind to ask him if he knew anyone who had missed work recently due to cancer, heart disease, arthritis, multiple sclerosis or lupus. He did. He quickly realized that his solution for propping a phone up to his ear wouldn’t actually cut it if he became disabled. He better understood the necessity and bought an individual disability insurance (DI) policy to protect his income.

Our clients generally can’t imagine themselves in less than perfect condition, so they inevitably ignore or — worse yet — assume away reality. Here are some of the other myths our clients believe and how we can help them see the truth.

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