Sunday, September 13, 2009

Student Accident Insurance

I used to think insuring your child was morbid. I wondered who would want to cash in on the possible death or dismemberment of their child? I would throw out the student accident insurance forms as soon as they come home.

This year I realized that it had nothing to do with "cashing in" or benefiting from your own family's misfortune. Do you know how much income you would have to give up to care for an injured child or how much time you would need off from work if you were grieving? What if your child required long-term care?

I know for those of you with healthy children and uneventful lives, these things are unthinkable. And so they should be. But I also know that you cannot predict what the future may bring or keep the unthinkable from breaking through. If you're like I was and have been unwilling to consider the necessity for insurance, maybe look at it this way. I don't call it student accident insurance, I call it family care insurance. Your family can be taken care of so you can take care of each other.


Momma bear said...

i know!!! when we lost our mackenzie someone asked me if I had "life" insurance for him, I remember thinking who insures a child before he/she is born, looking back it would have given us the money to bury him!!! although I never want to use it i carry insurance on my kids!!