Medical bills may not be the hardest part of getting really sick.  For many Americans, a bout of hospitalization or prolonged treatment can lead to a permanent reduction in income even with health insurance.  Income losses are often worse financial hits than direct costs of medical care, which can affect individuals and families for years.

Obamacare brought new insurance coverage to around 20 million Americans, but illness and disability can affect the ability to work, or negatively affect a career trajectory.

The lesson is that standard health insurance isn’t enough to protect people against the income risks that accompany a serious illness, prolonged absence from work or work accommodations requiring lesser job duties.

Short Term and Long Term Disability Insurance can step in to help provide financial relief.