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Disability Insurance Can Protect You
Disability insurance is an area shoers should consider. Mike Ehlert, a veteran farrier from Hartford, Wis., is a big believer in disability insurance. Twice in the last decade, he’s has been unable to shoe for extended periods. He credits his overall insurance package with protecting him and his family from financial disaster.
| Mike Ehlert before his 2008 accident. |
Ironically enough, Ehlert was not shoeing horses at either time when he suffered a broken leg. The first occurred in 2001 during a boating accident. The second one was in 2008, from a bad fall on ice.
“When I was laying there waiting for the ambulance, I wasn’t as stressed as I was 7 years ago,” he recalls. “Just having the insurance and knowing how things worked made things much less stressful.”
Ehlert has two different disability policies. One started paying when he’d been out of work for 30 days. The other kicked in at 90.
Ehlert points out that working with an agent to put together an overall insurance package paid off for him. He had health insurance coverage for himself and his family and his disability coverage provided an income while he was unable to work.
