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We all hope that we never need disability insurance or critical illness insurance. However, a lot of us do find ourselves at some point in our lives thankful that we spent those few dollars per week for just such a case. It could be something as simple as a fall a fall from a ladder putting up those holiday lights to something that will be more than just a temporary disruption in your life in the case of a critical illness.

With the stress and frustration caused by a temporary or permanent disability or a critical illness, disability insurance and critical illness insurance help you not only weather the financial difficulties you may encounter during your down time but also to take some of the emotional strain away that financial difficulties are certain to create. After all, it's much easier to focus on just yourself and getting better at such a time when you don't have the added stress of financial problems.

It is important to be familiar with the policy you choose and any issues you may have should the need for you to file a claim arise so that you can choose the policy that best suits you and your lifestyle. Once you've chosen your policy, if you ever find yourself needing to file a claim, your first step should of course be to notify your employer. They will likely appoint someone, usually a human resource officer, to help you with the paperwork and to be sure, you have everything you need to file your claim and start your benefits. This is an invaluable help in getting answers to any questions you may have and preventing delays that could come from incomplete or missing paperwork. They will also help to guide you along the way; after all, they want you happy, healthy and back at work as soon as possible.

Your physician's office is another invaluable tool in helping you with your claims. They will work closely with your claims representative to be sure your recovery is progressing as it should be and submit updates and requests for treatments so that your benefits are unencumbered.

So, as you can see, while we all hope that we never need to use such insurance, if we should unfortunately find ourselves needing to, the peace of mind provided by disability insurance and critical illness insurance can be just as an important tool in a speedy recovery as the we doctor choose and the services and treatments they provide.

Natalie Aranda writes about health and health insurance. With the stress and frustration caused by a temporary or permanent disability or a critical illness, disability insurance and critical illness insurance help you not only weather the financial difficulties you may encounter during your down time but also to take some of the emotional strain away that financial difficulties are certain to create.