Disability Insurance is Not the Be All End All, But Definitely an Important Risk Eliminator

Are you self employed or the major bread winner in your family? Well then health Insurance, especially disability insurance is a wise thing to have, but spending too much on shopping for it is unwise, as you most likely will never use it. However, if you are the major income earner in your family it could be a life saver down the road.

For those looking to save money on disability insurance, try getting a high deductable health disability plan. If you are self employed you must consider that if you are taken out of the picture for a time your business might go broke, and you will have lost everything that you built over the years, so a good insurance policy can shore up that risk if you become disabled.

Let me tell you a story; I was involved in a motorcycle accident and could not run my business, and luckily I had disability insurance. The disability insurance kicked in about the time I got better and it paid for some expenses that I had which piled up when I couldn’t work. It was a real bummer not being able to work, but I tried to manage the best I could.

By the time I got paid by the disability insurance company it was three months later, at that time I no longer needed the money and everything was fine, but had I been laid up for longer, I’d probably have lost my business without the disability insurance policy. So, you need to be thinking here, even if you believe, as I did back then, that it could never happen to me. Sure it can, and for me it did one fine summers day while cruising my motorcycle. Please consider this.

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Challenges Faced by Those With a Mental Health Disability

Those with brain disorders face special challenges in working a Home Based Business or Multi Level Marketing Business. There are hurdles to overcome for anyone new to these business opportunities, but there are additional unique challenges for those with disorders.

The first possible challenge is low self-esteem. Because of their disorder a person may feel that they are inadequate as a human being. They may feel that they are of no value or don’t have anything to contribute to their family or society. This makes it hard to project a sense of confidence and authority when speaking to prospects.
A second issue to overcome is distractibility or lack of focus. During mood swings attention can alternate between intense periods of creativity and feelings of lack of motivation. The person should strive for a healthy balance between these highs and lows. Having a coach/mentor or other support system can be of great help in keeping someone on track and heading in the right direction.
Finally, a person with a brain disorder needs to have structure in their day, especially if they have a work from home business. Without structure a depressed person can wander from one task to the next not really accomplishing much. This can lead to a further depressed state and lethargy.
If someone can overcome fears with handling incoming and outgoing phone calls working from home can be a rewarding experience. With the internet and computers a person can operate easily from home and can take breaks during their work time if they are becoming overwhelmed or feeling anxious.

Steve Rowell is a home based business owner and a Bipolar Disorder survivor.

Steve Rowell

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