The Right Disability Insurance Policy
Choose The Right Disability Insurance Policy

Disability can prove to be a crucial financial safety net for individuals who suffer from an illness or injury that renders them unable to work. With the increasing prevalence of disabilities in modern society, it has become even more important for people to consider their options when choosing a policy.

However, given the complex nature of these policies and the variety of options available, it can be challenging to determine which policy is right for you.

In this article, we will explore how to for your needs. We will begin by outlining what disability insurance policies entail and what factors should be considered when assessing your specific needs.

We will also examine key policy features that are essential to understand before making a decision about which policy to select.

By providing detailed information on each step of the process, we aim to empower readers with knowledge that will enable them to make informed decisions about their disability insurance coverage.

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Understanding Disability Insurance Policies

The Right Disability Insurance Policy
Choose The Right Disability Insurance Policy

An understanding of the key features and limitations of various disability insurance policies is crucial for those seeking to make informed decisions about their coverage options. Disability insurance policies come in different types, each with its own unique benefits and drawbacks.

The two main types of disabilities covered by these policies are short-term disabilities and long-term disabilities. Short-term disability insurance policies provide coverage for a limited period, usually between three to six months. These policies are ideal for individuals who need temporary relief from work due to an illness or injury.

Long-term disability insurance, on the other hand, provides coverage for a longer duration that can go up to several years or even until retirement age. These policies are designed for individuals who suffer from chronic illnesses or injuries that prevent them from working over extended periods.

It's also essential to understand common exclusions when choosing a disability insurance policy. Many insurers exclude pre-existing medical conditions, meaning that any claims related to such conditions will not be covered under the policy.

Additionally, some insurers may exclude specific occupational hazards or activities deemed risky, such as skydiving or extreme sports. It's essential to read through the policy documents carefully and discuss any concerns with your insurer before signing up for coverage.

Assessing your needs requires careful consideration of both the type of disability you're most likely to encounter and how long you expect it would take you to recover fully.

With this information at hand, you can then select a policy that offers appropriate coverage levels while taking into account factors such as cost and exclusions mentioned above.

READ ALSO: Choosing The Right Health Insurance Plan For Your Needs

Assessing Your Needs

Assessing your disability insurance needs is crucial in determining the appropriate coverage for you. Age and occupation, income and expenses, as well as health history and lifestyle are key factors to consider when assessing your needs.

Age and occupation play a significant role in determining the likelihood of experiencing a disability while income and expenses influence how much coverage is necessary to maintain financial stability during an unexpected event.

Health history and lifestyle also impact the likelihood of experiencing a disability, which may require additional coverage or exclusions from certain policies.

Age and Occupation

The relationship between age and occupation is a key factor to consider when selecting a disability insurance plan, as statistics indicate that individuals in certain high-risk occupations are more likely to experience disabilities at younger ages.

For example, jobs that involve manual labor or physical exertion such as construction work, firefighting, or professional sports carry a higher risk of injury and disability than desk jobs.

Similarly, younger individuals may be at greater risk of disability due to their increased participation in high-risk activities such as extreme sports or military service.

When evaluating risks associated with age and occupation, it is important to choose appropriate coverage that takes into account the specific needs of your profession and age group.

For instance, professionals who earn a high income may require more comprehensive coverage than those with lower incomes since they stand to lose more financially if disabled.

Additionally, older individuals may require longer-term disability coverage since they may not have enough time left in their careers to recover from injuries or illnesses.

Therefore, choosing the right policy requires careful consideration of multiple factors including age, occupation, income level, and expenses.

Income and Expenses

This section analyzes the impact of income and expenses on disability insurance coverage, with statistics indicating that Americans spend an average of 33% of their income on housing costs alone. This means that a significant portion of one's income is already allocated to essential expenses, leaving little room for unexpected events such as a disability.

When choosing a disability insurance policy, it is crucial to consider one's current income level and monthly expenses. To ensure adequate coverage, budgeting strategies, and financial planning are essential tools to help determine the appropriate amount of disability insurance needed.

A good starting point would be to calculate the monthly living expenses and subtract any sources of passive income or savings in case of temporary disability. It is also important to consider potential long-term effects on earnings due to permanent disabilities.

By taking these factors into account, individuals can make informed decisions about the type and amount of disability insurance they need. Next, we will explore how health history and lifestyle can affect one's choice of disability insurance policy.

Health History and Lifestyle

The impact of health history and lifestyle on disability insurance coverage is a crucial factor to consider when determining the appropriate amount and type of coverage needed. Insurance companies generally require applicants to disclose their medical history, including any pre-existing conditions, before approving their coverage.

This information helps insurers determine the level of risk associated with insuring an individual. In some cases, individuals with pre-existing conditions may find it difficult to obtain disability insurance coverage or may have higher premiums.

Daily habits also play a role in determining disability insurance coverage. For example, individuals who engage in high-risk activities such as extreme sports or those who work in hazardous occupations may face higher premiums due to the increased likelihood of injury.

Similarly, individuals who have unhealthy lifestyles such as smokers or those with obesity-related health problems may also face higher premiums due to an increased risk of health issues that could lead to a disability.

When considering these factors, it is important for individuals to be honest about their health history and daily habits when applying for disability insurance coverage.

Considering one's health history and lifestyle plays a crucial role in obtaining the right disability insurance policy for an individual's needs. After evaluating these factors, the next step is identifying key policy features that align with one's financial goals and income replacement needs.

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Identifying Key Policy Features

Understanding the essential features of disability insurance policies is crucial for making an informed decision about which one will provide sufficient coverage in the event of a disabling injury or illness. When looking at different policies, it is important to identify key policy benefits such as:

  • The definition of disability
  • Benefit amount and duration
  • Elimination period
  • Optional riders

The definition of disability can vary between policies, so it is important to look for one that aligns with your occupation and specific needs. Benefit amount and duration will determine how much you will receive in payments and for how long. The elimination period refers to how long you must wait before receiving benefits after becoming disabled.

Coverage options are another important aspect to consider when choosing a disability insurance policy. Some policies may offer partial or residual benefits if you are only able to work part-time or have lost some earning capacity due to your disability.

Optional riders can also provide additional coverage for specific situations such as cost-of-living adjustments or future insurability guarantees.

Overall, taking the time to carefully review key policy features can help ensure that you select a disability insurance policy that meets your unique needs and provides adequate protection in the event of a disabling injury or illness.

When comparing policies, it is important to not only look at the individual features but also consider how they work together as a whole. For example, a policy with lower benefit amounts but shorter elimination periods may be more beneficial than one with higher benefit amounts but longer waiting periods if you need immediate coverage.

It's also important to compare premiums across different policies as well as their financial ratings and reputation within the industry before making a final decision on which policy best suits your needs.

Comparing Policies

When comparing disability insurance policies, understanding how different policy features work together can be crucial in selecting the most effective coverage. For instance, policy exclusions are an important consideration when evaluating potential policies.

Policy exclusions refer to certain conditions or situations under which a policyholder's coverage may be limited or denied altogether. Understanding these exclusions is critical to ensure that your policy meets your specific needs.

Another key factor to consider is claim benefits. When evaluating different policies, it's essential to compare the level of benefits offered by each plan. Specifically, you'll want to look at things like benefit amounts and waiting periods before benefits kick in.

It's also important to understand whether a particular policy offers short-term or long-term disability coverage so that you can make an informed decision based on your individual circumstances.

Lastly, when comparing disability insurance policies, keep in mind that not all insurers are created equal. As previously noted, premiums for individual disability income policies can vary significantly depending on the state and insurer offering them.

Choosing the right insurance company involves researching its reputation and financial strength as well as examining its claims process and customer service.

By taking these factors into account when choosing a policy provider, you can help ensure that you're getting the best possible coverage for your needs without breaking the bank.

In summary, when comparing disability insurance policies it's essential to examine key features such as policy exclusions and claim benefits carefully. Additionally, choosing the right insurer is another critical factor in selecting an effective disability insurance plan that meets your specific needs while staying within budget constraints.

Choosing the Right Insurance Company

Selecting a reputable and financially stable insurance company is paramount in ensuring that your disability coverage adequately meets your specific needs and provides peace of mind.

Before making a decision, it is important to research the company's reputation within the industry. Look for reviews from current or past policyholders, as well as ratings from independent organizations such as Moody's or A.M. Best.

In addition to reputation, consider the quality of customer service provided by the insurance company. Will you be able to easily reach someone when you have questions or concerns? How quickly are claims processed and paid out? These are important factors to consider when choosing an insurance provider.

Ultimately, selecting an insurance company that is both reputable and responsive can help ensure that you receive the support and benefits needed in the event of a disability.

Once you have chosen an insurance provider, working with an experienced agent can further help tailor your policy to meet your specific needs.

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Working with an Insurance Agent

Working with an insurance agent can provide numerous benefits when it comes to purchasing disability insurance. Agents can offer guidance and expertise in navigating the complex world of insurance policies, helping individuals find the best coverage for their needs.

However, it is important to ask the right questions and understand how agents are compensated to ensure that you are getting the most out of your relationship with them.

Benefits of Using an Agent

Utilizing the services of a professional agent facilitates access to a wealth of knowledge and expertise in the field, allowing for more informed decisions to be made regarding disability insurance.

An agent can provide valuable insight into the nuances of different policies, as well as help identify which options best suit an individual's unique needs and budget. Additionally, agents often have established relationships with insurers and may be able to negotiate better rates or policy terms on behalf of their clients.

When comparing using an agent versus conducting online research, one significant benefit is the personalized attention and guidance an agent can offer.

While researching online may provide access to a wide range of information, it can also be overwhelming and difficult to navigate without prior knowledge or experience in the field. Moreover, online resources may not always account for specific factors that could impact an individual's eligibility or coverage.

Therefore, working with an agent provides assurance that all relevant information has been taken into account when making decisions about disability insurance.

Moving forward, individuals should consider asking specific questions when engaging with potential agents to ensure they are getting the most out of their services.

Questions to Ask

In order to gain a comprehensive understanding of disability insurance, it is imperative for individuals to ask informed questions when consulting with agents, as this can provide valuable insight into the intricacies of policies and enable more informed decision-making.

One important question to ask is how to compare quotes from different insurers. Agents can assist in reviewing various policy benefits, including the length and amount of coverage, as well as any riders that may be available for additional protection.

Another crucial question pertains to policy exclusions. It is important for individuals to understand what types of disabilities are covered under their policy, as well as which ones are excluded. This knowledge will help prevent surprises down the road and ensure that individuals have adequate coverage should they become disabled.

With these questions answered, one can move on to understanding commission and fees when purchasing a disability insurance policy.

Understanding Commission and Fees

Understanding the commission and fees associated with disability insurance policies can be a complex and overwhelming process, but it is important to gain an understanding of these costs in order to make informed decisions and avoid potential surprises or hidden fees.

Insurance agents play a crucial role in helping individuals navigate through the various disability insurance policy options available in the market. However, it is important to note that agents receive commissions for selling policies, which can vary depending on the insurer and type of policy being sold.

The commission structure for disability insurance policies typically involves a percentage of the premium paid by the policyholder. The exact percentage may vary between insurers and policies, but it is important to understand how this fee may impact your overall premium costs.

Additionally, some insurers may charge additional fees beyond commissions, such as underwriting or administrative fees. It is essential to inquire about all potential costs associated with a disability insurance policy before making a commitment.

Understanding these costs will enable you to make an informed decision when choosing a disability insurance plan that fits your needs best.

Understanding your policy is an essential aspect of selecting the right disability insurance coverage for you.

Understanding Your Policy

Understanding your disability insurance policy is crucial to ensure you are adequately protected in case of an unexpected event. Reviewing policy documents is the first step towards understanding what your policy covers and what it does not.

Contacting your insurance company can help clarify any doubts or questions you may have about your policy, as well as provide guidance on how to make changes that better suit your needs.

Reviewing Policy Documents

By thoroughly reviewing the policy documents, individuals can gain a comprehensive understanding of the benefits and coverage offered by different disability insurance policies, allowing them to make informed decisions based on their personal circumstances and needs.

Understanding policy language is crucial in this process as it can be complex and difficult to navigate without proper knowledge.

Policy documents outline specific terms and conditions, exclusions, limitations, and definitions that may affect one's ability to receive benefits in the event of a disability. Therefore, it is important to read these documents carefully and seek professional advice if necessary.

While reviewing policy documents is an essential step in choosing the right disability insurance policy for you, contacting your insurance company can also provide valuable information about their policies.

Insurance companies have representatives who are knowledgeable about their products and can answer any questions or concerns you may have regarding coverage options or claims processes.

By engaging with your insurance provider early on in the process, you can ensure that you are fully aware of all available options before making a decision.

Contacting Your Insurance Company

Engaging with an insurance company's representatives can be likened to unlocking a treasure chest of valuable information, as it provides individuals with insight and knowledge about coverage options and claims processes.

Requesting information from your insurance company is an important step in choosing the right disability insurance policy for you.

Here are four items to consider when contacting your insurer:

  1. Make sure you understand all aspects of your policy: Ask questions about what is covered, how much coverage you have, how long benefits last, and any exclusions or limitations that may apply.

  2. Ask about premium payments: Find out how much you will be paying each month or year and whether there are payment options available such as automatic deductions from your bank account.

  3. Inquire about the claims process: Know who to contact in case you need to file a claim, what documents are required, and how long it typically takes for a claim to be processed.

  4. Review the policy's renewal terms: Determine if there are any restrictions on renewing your policy, such as age limits or medical examinations.

After requesting information and reviewing policy coverage thoroughly with your insurance company, making changes to your policy may be necessary in order to ensure that it meets all of your needs.

Making Changes to Your Policy

Modifying the disability insurance policy is a crucial step towards ensuring that it aligns with the evolving needs of the policyholder. Policy renewal and adjusting coverage are two ways to make changes to your policy.

Policy renewal refers to renewing your existing policy at the end of its term while adjusting coverage involves making changes to your current policy during its term.

When renewing your policy, it is important to review and assess whether any changes need to be made based on your current situation. This may include updating personal information or increasing or decreasing coverage levels.

On the other hand, adjusting coverage allows you to modify specific aspects of your policy such as benefit amounts or elimination periods. It is essential to communicate with your insurance company when making these changes and ensure that they are aware of any modifications you wish to make.

Maintaining your disability insurance policy requires careful attention and consideration. By understanding how to modify and adjust coverage effectively, you can ensure that your policy remains relevant and meets your changing needs over time.

Maintaining Your Policy

The maintenance of a disability insurance policy is crucial for ensuring continued coverage and protection against potential financial risks associated with disabilities.

Policy renewal should be done on time to avoid any lapses in coverage, while regular premium payments ensure that the policy remains active. It is important to review the policy periodically to ensure that it still meets your needs and make changes if necessary.

To maintain your disability insurance policy, keep track of its renewal date and make sure to renew it before it expires. This will prevent any gaps in coverage, which can lead to financial disaster if you become disabled during that time. Additionally, keep up with premium payments by making them on time each month or year as agreed upon in your contract.

Reviewing your disability insurance policy regularly is also essential for maintaining its effectiveness. Your needs may change over time due to various life events such as getting married or having children, so it's important to ensure that your current policy still provides adequate coverage. If not, consider making changes such as increasing benefits or changing the elimination period.

Maintaining a disability insurance policy requires diligence and attention to detail but can provide peace of mind knowing that you are protected against potential financial risks associated with disabilities.

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Filing a Claim

The process of filing a disability can be complex and time-consuming. Understanding the claims process, documenting your disability, and working with your insurance company are crucial steps in ensuring that you receive the benefits you deserve.

It is important to approach this process with an analytical mindset, paying close attention to details and staying knowledgeable about your policy's terms and conditions.

Understanding the Claims Process

Understanding the intricate details of the claims process is critical to ensure that you are not left in a state of financial uncertainty during a disability, as it can make or break your chances of receiving adequate compensation.

Common misconceptions about filing a claim include assuming that all policies cover the same conditions and thinking that insurance companies will automatically approve a claim if the policyholder has paid premiums for an extended period.

However, this is often not the case. Legal considerations must also be taken into account, including deadlines for filing claims and ensuring that medical documentation accurately reflects the condition.

To avoid potential pitfalls during the claims process, it is essential to understand what is required of you as a policyholder.

This includes providing comprehensive medical documentation with clear diagnoses and treatment plans, maintaining open communication with your insurer throughout the process, and being aware of how long each stage should take so that you can follow up if there are delays.

Additionally, remember to keep track of any expenses related to your disability so you can submit them for reimbursement later on.

By understanding these aspects of the claims process and taking proactive steps toward documenting your disability, you can increase your chances of receiving adequate compensation when you need it most.

Documenting Your Disability

Accurately documenting your medical condition is of utmost importance in the disability claims process. This documentation serves as evidence to support your claim and can make a significant impact on the outcome of your case.

It is important to understand that you will need to provide sufficient proof of your disabling condition, including its severity and duration.

The process of documenting your disability involves several steps, including obtaining medical records, keeping track of symptoms and limitations, and seeking opinions from medical professionals.

A table can be used to organize this information for easy reference during the claims process. The table below provides an example of how you might document your disability:

DateMedical Professional/ Facility VisitedReason for Visit
01/01/2021Dr. John SmithBegin treatment for chronic back pain
02/15/2021MRI CenterMRI to diagnose back pain
03/05/2021Physical TherapistBegin physical therapy

Accurate documentation can be time-consuming and overwhelming, but it is essential for success in receiving compensation during a disability. Once this step has been completed, it is then necessary to work with your insurance company toward receiving fair compensation for your claim.

Working with Your Insurance Company

Collaborating with the insurance provider to obtain equitable compensation for the disability claim necessitates proficient negotiation skills and meticulous documentation of the medical condition.

As soon as a policyholder becomes disabled, it is recommended to notify their insurance company immediately and begin the claim process. Throughout this procedure, negotiating rates with the insurance provider is crucial for maximizing coverage benefits.

The insurer's adjuster may offer a settlement amount that is lower than what is expected, which requires skilled negotiation tactics from both parties. Effective communication strategies are essential when working with an insurer.

Policyholders should keep records of all communications between them and their insurance provider, including emails, phone calls, or letters.

When discussing a claim's details with an adjuster, it is advisable to be clear about the disability's nature and how it affects one's daily life. By being transparent about these details, policyholders can ensure that they receive proper compensation for their disability claims.

In conclusion, managing disability claims involves effective communication strategies and skilled negotiation abilities when working alongside insurers to get adequate compensation benefits.

When managing your disability successfully, there are several tips you can implement in your daily routine to help you cope better with your situation without feeling overwhelmed or stressed out continually.

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Tips for Managing Your Disability

Efficient management of disability can be achieved through various strategies and techniques, including lifestyle adjustments, rehabilitation programs, and medical treatment plans.

One crucial aspect is managing finances to ensure that expenses are covered during the duration of your disability. Having a financial plan in place will help alleviate any stress or anxiety about paying bills or affording necessary treatments.

Another important consideration is seeking medical treatment from healthcare professionals who specialize in disabilities. This may include physical therapists, occupational therapists, or other specialists who can provide tailored care for your specific needs.

It is also essential to have open communication with your healthcare team and keep them updated on any changes in your condition.

In addition to financial planning and seeking medical treatment, it is vital to make necessary lifestyle adjustments that support your well-being. This may involve modifying daily routines or activities to accommodate physical limitations or finding new hobbies or interests that align with your abilities.

By taking proactive steps toward managing your disability effectively, you can maintain a sense of control over your life and continue living as independently as possible.

Later we will discuss common mistakes to avoid when choosing a disability insurance policy so that you can make informed decisions about protecting yourself financially in the event of a disability.

Common Mistakes to Avoid

The present section highlights common errors to be avoided while making decisions regarding financial protection in case of impairment, emphasizing the significance of informed choices and avoiding potential pitfalls.

When selecting a disability insurance policy, it is crucial to avoid these mistakes:

  1. Not understanding the definition of ‘disability': It is essential to understand how the policy defines disability before investing in one. Some policies may have a narrow definition of what constitutes a disability, which can result in difficulties when filing claims.

  2. Underestimating coverage needs: Many people make the mistake of thinking they don't need as much coverage as they actually do. It's important to consider possible scenarios that could lead to an inability to work and ensure that enough coverage is purchased.

  3. Failing to shop around for options: One should not settle on the first insurance policy presented without exploring other options available in terms of price, benefits, and exclusions.

Avoiding these pitfalls will help ensure success when selecting a disability insurance policy.

In conclusion, taking out a disability insurance policy is crucial for anyone who relies on their income for financial stability. However, choosing the right one requires careful consideration and thorough research into different policies' features and benefits.

By following tips for success such as those listed above, individuals can rest assured knowing they are protected from financial hardship in case of an unexpected impairment or illness that prevents them from working.

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Frequently Asked Questions

How does the waiting period for disability insurance work?

The waiting period for disability insurance, also known as the elimination period, is the amount of time an insured individual must wait before receiving benefits.

This period begins after a person becomes disabled and cannot work due to injury or illness. During this time, the insured individual must rely on other sources of income or savings to cover their expenses.

The length of the waiting period varies depending on the policy and can range from 30 days up to one year. Benefits calculation is based on the length of this waiting period with policies that have shorter elimination periods typically having higher premiums than those with longer ones.

It is important for individuals to carefully consider their financial situation and choose a policy with an elimination period that aligns with their needs and budget.

Can disability insurance be purchased by self-employed individuals?

Self-employed individuals may have different considerations when it comes to purchasing disability insurance.

Disability insurance for freelancers and self-employed individuals typically offers more flexible options, as they do not have access to employer-sponsored plans.

Some insurers offer policies that allow the insured to customize their coverage based on their income, occupation, and other factors.
However, self-employed disability insurance options can also come with higher premiums due to the lack of group discounts.

It is important for self-employed individuals to carefully evaluate their needs and compare different policies before selecting a disability insurance plan that fits their budget and provides adequate protection in case of a disability.

Will my disability insurance policy cover mental health conditions?

Disability insurance policies may offer coverage for mental health conditions, but there are often limitations to this coverage.

typically includes illnesses such as depression, anxiety, and bipolar disorder. However, some policies may exclude coverage for certain types of mental health conditions or limit the amount of benefits that can be paid out for these conditions.

It is important to carefully review the policy's terms and conditions before purchasing disability insurance to ensure that it adequately covers any potential mental health issues that may arise in the future.

Additionally, individuals should consider factors such as their occupation, income level, and personal medical history when selecting a disability insurance policy to ensure they choose one that meets their specific needs.

Is it possible to receive disability benefits while still working part-time?

Working part-time and receiving disability benefits can be a complicated issue. Qualifying conditions for disability insurance policies can vary and are typically outlined in the policy agreement.

Some policies may allow for a partial benefit if the insured is still able to work part-time, while others may require a complete inability to work in order to receive benefits.

It's important to carefully review your policy agreement and consult with your insurance provider to understand the specific terms and conditions of your coverage. Additionally, it's essential to accurately report any income earned while receiving disability benefits as this could impact eligibility for continued coverage.

Ultimately, navigating the intersection of working part-time and receiving disability benefits requires careful consideration and understanding of one's individual policy.

How does disability insurance interact with other forms of insurance, such as workers' compensation or social security disability benefits?

When it comes to disability insurance, it is important to understand how this type of policy interacts with other forms of insurance, such as workers' compensation and social security disability benefits.

Workers' compensation provides benefits to employees who are injured or become ill due to their job.

On the other hand, private disability insurance offers coverage for non-work-related disabilities that may prevent an individual from working in any capacity.

In some cases, individuals may be able to receive both workers' compensation and private simultaneously.

However, it is important to note that these benefits combined cannot exceed the individual's pre-disability income.

It is also important for individuals to consider how their private disability insurance policy may interact with any group of long-term disability coverage provided by their employer.

Understanding these interactions can help individuals make informed decisions about their overall financial protection in the event of a disabling injury or illness.

Conclusion

Disability insurance is an important safety net that can provide financial support in the event of an unforeseen accident or illness. However, choosing the right policy can often be a complex and overwhelming process.

To make the best decision, it's essential to understand disability insurance policies, assess your needs, identify key policy features, compare policies from different companies, and understand how to file a claim if necessary.

When assessing your needs for disability insurance, it's important to consider several factors such as your occupation, income level, health status, and future goals.

Identifying key policy features such as benefit amount, elimination period length, and definition of disability is also crucial.

Comparing policies from different companies will help you find the best value for your money while ensuring that you're getting comprehensive coverage.

Choosing the right disability insurance policy requires careful consideration and research.

By following these steps and avoiding common mistakes such as underestimating coverage needs or failing to disclose pre-existing conditions when applying for coverage – you can make an informed decision about which policy will provide the most protection for you and your family in case of an unexpected event.

In conclusion, selecting a disability insurance policy involves analyzing various factors such as personal circumstances, and comparing policies from different providers.

It may seem daunting at first but with adequate research and understanding of what each policy entails; it is possible to make an informed choice that provides peace of mind in times of need.

As one reflects on this decision-making process- one question comes to mind: If tomorrow were unpredictable- would I have done enough today?

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