Getting a disability can be catastrophic to you and your families lives. If you are paralyzed, you would have to alter your house so that you can live in it (ramps/special lifts etc). Disability affects all stages of life, with the top claiming age category (for Discovery 2014 year) being the 41 – 50 age group.
Your disability could also impact your ability to earn an income. What would you do for an income if you no longer had the use of your hands or your eyes?
It is important to note that Disability cover pays out a percentage of the amount insured – what that means it that if you are only partially disabled, that you will only get a partial payment for your disability, meaning that the R100 000 that you insured yourself for is not enough to alter your home so that you can still live in it.
