We often tend to ignore the fact that we don't have disability cover and even when we do have it, we are seldom aware that it is actually there. When you work for a big company, they usually include death, disability and dreaded disease cover as a part of your annual salary package. Before you get too excited about it, you need to check with your human resources consultant to see what benefits have been allocated to you for working for the company. These benefits are usually given at the company's discretion and they would have been discussed with you when you originally started working there. You have to ask yourself, if the companies have the sense to give you that cover then surely you should also have the sense to take out the cover if your company has not.

If you do not have any cover for retirement or for disability and dreaded disease then you might want to consider looking into it by visiting insurance sites like pricelineprotects.com.au where you can get all the info you need about insurance and then you can go about applying for the cover that you need. At some point you will want to retire and if you haven't got an income to see you through for the rest of your days, life will get tough on you because even though you have retired your bills will still keep coming and you may need to look at working again. The same can be said for disability cover, because you never know what could happen at any point down the road. No matter how careful you are, an accident can happen anywhere, anytime and it could leave you without a limb or perhaps even paralysed. If you happen to work in a high risk environment like a factory or a chemical plant, there is a good chance that you could lose a finger or your entire hand. Machinery could break, support structures can collapse and even the products themselves could cause serious bodily harm that renders you incapable of working. If the damage is permanent then it is going take some serious changes in your life to help you adapt to your new circumstances.

If you are paralysed from the waist down, you will need buy a wheelchair, modify your home so that it is wheelchair friendly and you may even want to modify your vehicle in case you still want to get around. All of that will cost a lot, but at least you can cover it with a disability policy.