A Closer Look on Disability Insurance for Baseball Players and Auditors

As a professional baseball player, you, of all people understand the nature and the risk of being in such a profession. Like any other professional players, they face the uncertainty of sickness, injuries and in worst case scenarios, death. So to prepare for the future and make sure you and your family will still have a reliable support system in the event of your disability or death, you must consider getting a disability insurance for baseball players. As a professional player, being in a Major League Baseball, you need to be aware of your different options for receiving disability payments if, God forbid, you get hurt or sick. In this case, it is often best to with the individual disability insurance for baseball players.

Getting one is a sound financial decision in order to protect your income. You may not think of this now, while you are still in your prime, healthy and kicking. Your whole career could be gone in an instant if you seriously injure your arms, legs or spine while playing – which puts your family in financial demise. Over the years, insurance for athletes compared to regular ones such as those disability insurance for auditors, are highly specialized and have been consolidated with relatively few companies that are highly competitive. 

A professional athlete, like auditors, can anticipate their monthly income levels and probable playing time. But the risk of the job is higher, which gives a very big distinction between the disability insurance for auditors and baseball players. For auditors, they can still do the job even they are partially disabled. For baseball players, an injury, whether partial or full, can greatly mean the downfall in their career. To further display this distinction, an auditor with a leg injury can still work in keeping books for companies they serve; but a baseball player with a leg injury can never play a certain season, or even for the rest of his life, depending on the injury.

Both baseball players and auditors need to have a policy that will not only protect their income, but one that will also protect their specialty. This is often called as the ‘own occupation’ policy that greatly focuses on paying the benefits in the event you are unable to do the specific duties of your occupation. For baseball players, the policy should be comprehensive – needing to protect the individual from all sorts of injuries and vision impairments among other things. Once you have a policy, you have to double check the details and the fine print when it comes to your occupational definition. For baseball players, there should also be a protection against loss of endorsements too.

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http://www.insuringincome.com/ will give you more information.