Feranmi Okanlami's Story.
Feranmi was in his 3rd year of Residency at Yale for Orthopedic Surgery.
When the accident happened, he broke his neck and became paralyzed from the chest down. Disability insurance helped turn a tragic event into a positive outcome.
Kristen was a successful dentist when she developed a rare condition.*
In her mid-thirties, Kristen felt like she was on top of her game. She was in great health, and had an active social life. She enjoyed running and spending time with her family and friends. However, she did feel one thing was missing from her life, and that was children. Kristen decided it was time to start a family, and soon began undergoing IVF treatments to improve her chances of pregnancy.
As a result of the IVF treatments, Kristen developed a rare condition called Ovarian Hyperstimulation Syndrome (OHSS). In Kristen's case, OHSS led to a blood clot that paralyzed her left side. Kristen was confined to a wheelchair for months. She was unable to work and couldn't drive. After months in rehabilitation, Kristen has regained limited use of her left side, including her hand. She is hoping to eventually return to her career.
Kristen's ongoing rehabilitation led to increased medical bills and financial stress. She is thankful that she has friends and family that have helped her cope. "I was in perfect health and had my life planned out one day, and the next I was partially paralyzed and my life turned upside down," she says. "It just goes to show that disability can happen to anyone, at any time. From experience, I know that everyone needs to take the time to prepare for the financial impacts that come when the unexpected happens."
To protect the Kristen's privacy, only her first name is used and the photo is not of the actual individual profiled.
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"I thought it could never happen to me"
If you become disabled, will you be ready? Or will you and your loved ones face serious financial hardships?
If you're like most Americans, you don't have long term disability insurance, or enough emergency savings to last 34.6 months. That's the durantion of the average long-term disability claim.1
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While you can't predict the unexpected, you can prepare.
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