I was scrolling through social media this week and came across a video that resonated with me.  
 
A hairdresser who had been working in the industry since she was 16 years old, was worried about how she would make it to retirement age.  
 
She is currently 32 years old and seeking treatment for her back, as having to stand on her feet for 8 hours a day, 5 days a week, stooping to cut hair and using her hands every hour of that working day had led to her having sciatica and various postural issues.  
 
As she was self employed she could not afford to take time off work so had to keep going despite being in a lot of pain which in turn was making her back issues worse. If they continued to get worse, she may have to have an operation which could mean 6 months to a year off work. She could not consider this option as she is self employed.  
 
What concerned her the most, and in her words, “how am I going to do this until I am 68….another 36 years”? 
 
Having an income protection policy in place could have helped her in this situation. If she was unable to work long term due to injury she could have claimed on this policy.  
 
The policy would have paid out a specified sum to replace a percentage of her income which she could use to pay her mortgage/rent plus associated bills such as gas, electric, water, childcare if applicable etc.  
 
Income protection policies can pay out for a specified amount of time, for example 12 months or up until retirement if she as unable to go back to work. Alongside this policy most insurers have fantastic value added benefits such as mental health and wellbeing support, physio sessions and will also help rehabilitation back into the work place. 
 
Her concerns about the future are totally valid.  
 
No one is invincible and we certainly do not know what the future holds. However, planning for life’s “what if’s” and having protection in place to look after you and your family, could turn those concerns into peace of mind. 
 
Contact me today to discuss how we can protect you. 
 
Victoria Bennett 
victoria@hdconsultants.net 
07305 396 811 
 
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