Disability Insurance is the most important form of cover when we are
expected to be productive assets. It doesn’t cover your ability to live. It
covers your ability to earn. Those are different things. If you aren’t “useful”
to someone else, the costs of life continue. Insurance Companies also provide cover
for non-income earning activities like Daily Tasks, because normally when
people can’t do things like open a door, pick up a cup, or walk up stairs, the
world doesn’t treat them as well. We revolve around self sufficiency. Around
utility. Around transactions. It’s brutal. When we think of insurance, often it
is Life Insurance that is the first thought, but the sad truth is a person’s
earning capacity or cost that is what is being covered. You can’t ensure life.
Like insurance on a sentimental ring, it covers the dollar amount, not the
sentiment. Building Capital or getting insurance are simply means to take that
angst off the table. A detachment device to allow someone to be a someone, not a
means to an end.
Lotus - soaring over muddy waters
yet still producing beauty
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