This summer, which we’ve dubbed “The Summer of Fun” has been a blast!
We’ve taking more long weekends, have swam in more lakes and pool, and applied more sunscreen than any summer of our lives! We’re having fun, but we need to be prepared should all of that summer fun lead to an accident.
Between The Big Guy and our monkey-like little girl (she’s 21 months old) or family is like an accident waiting to happen. I can only guess how accident-prone our family would be if we had a little boy. I have 3 brothers, and believe me, little boys are usually scared of nothing!
Really, our summers aren’t unlike many other families’. Each year, more than 2.6 million children are treated in hospital emergency departments for sports and recreational injuries, and with my family’s track record, I fully expect to become a part of those statistics before our kiddo is 18.
We’ve Made Our Summer Plans…
…and we’re enjoying the heck out of them, but it pays to be prepared for the unexpected. Do you know how much a trip to the Emergency Room costs? Almost anything can land you into the Emergency Room – a busted lip, sprained ankle, bruised ribs, or even that really nasty cold that’s been going around. No matter how hard we try, accidents to happen, and it’s certainly nice to be prepared for the costs.
No matter how safe you try to be, it’s nice to be covered by an Aflac accident policy to help cover the out of pocket costs of unexpected injuries. Supplement insurance is key to any financial plan – especially with insurance premiums and out of pocket costs skyrocketing year over year. These supplemental insurance policies such as accident, critical illness, and cancer help protect you and your family from the high personal costs that normal health insurance was not designed to cover.
Are You Prepared?
Sure, you have health insurance. We do too, but health care costs are rising, and accidental injuries happen even to the best of us.
I became self-employed not even 3 months ago, and even though my husband works, taking away either his or my income because of an accident would not only put us behind on bills, it would do serious damage to our #30k2015 Challenge – which is why we’re making sure we’re covered for every possible unexpected medical cost.
Have you budgeted for accidents that could cost you hundreds or thousands of dollars out of pocket? What would an accident do to your budget?
Aflac supplemental accident insurance pays cash benefits that can be used for everyday expenses such as daycare, groceries, and utilities. If you’re working to keep yoru budget on track like we are, then you should definitely consider a supplemental accident insurance policy.
I was selected for this opportunity as a member of Clever Girls and the content and opinions expressed here are all my own.
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Mrs. Frugalwoods says
You’re so right about being prepared for emergencies–you just never know. Having a healthy emergency fund is a big reassurance and can go a long way in mitigating a crisis. Better to have the money saved and not need it!
You are so right! My kiddo’s about the same age yours is (he’ll be 2 in October), and I literally have no idea how we haven’t ended up in Urgent Care or worse with him yet. He’s just a boy, and I’ll tell ya – boys are rough on everything they come in contact with!
Due to a career change on my husband’s part, we’ve recently moved to a new house in a new state where I haven’t yet been able to find a new job. I’ve always been mindful of what our household expenses ‘should’ be, but due to the fact that our household income will be dropping by nearly 50% in just a few short weeks this is the 1st time I’ve found myself legitimately creating and (hopefully) sticking with a budget. Thanks for some great insight, the accident factor is one that definitely causes me some anxiety!
“The Summer of Fun”, Love it! I heard Dave Ramsey say the other day that disability insurance (different than supplemental, I believe) is one of the number one ways that people are underinsured. It really got me thinking. We’re attempting to self insure in part by paying off our mortgage. Having no debt is a great way to help in the event that income is reduced. We figure that with absolutely no debt (even a mortgage), one of us can work at McDonalds and we could still make our remaining bills.