I just signed up for disability insurance...soooo expensive..no...no...SOOOOOOOO EXPENSIVE. And I even qualified for the top health rating (meaning mine was the cheapest available price!)! It's basically a car payment. Coverage for women is nearly double what a man's coverage costs...apparently more women experience some form of disability in their life. (And, podiatrist who perform surgery apparently suffer disabilities more than many other surgical specialties...who knows why.) It's pretty basic coverage ...with the opportunity to purchase more coverage as my salary increases from resident to doctor over the next couple years. And it will last until I am 65...which is pretty impressive...since 65 seems light years away. Except, I remember when 30 seemed like light years away...and I'm currently 6 months into it!
I also signed up for life insurance...that was a fair and reasonable price. Tommy is in the process of finding great coverage for himself. I want to make sure we are well protected...but not OVER protected (fine line.)
Being a grown up is full of these scary conversations and expensive necessary evils that you pray you never need to cash in on. I swear I have been brought to tears more than once over the past couple weeks thinking about these issues. You see, I have these recurrent thoughts that something really bad is going to happen to me. I'm not sure if this is because I work in a hospital and I see nice normal people who have been in horrific accidents, or been diagnosed with debilitating disorders.
It's hard not to put myself in their position...what would we do if I was in a hospital for months and months and unable to work? Or was diagnosed with cancer? Those things happen to real people...everyday. The thought makes me sick to my stomach. (I recently saw that lovely movie "We Bought a Zoo" and literally cried...no no...sobbed through the entire thing because I kept thinking how horrible it would be to have my little Clara grow up without me.) What the hell is wrong with me!? Ugh. I digress...
Do you have life insurance? Disability coverage?