Insurance after Treatment

I first came across this concept last year when I took on my first male patient. At the end of his time in my program, I had to write a report for his insurance company. The results of my report determined whether or not they would continue his insurance. This particular policy I was making an impact on was his income insurance. I didn't even know that this existed. Basically, they paid him a majority of his pay because he was unable to return to work even after his main treatment completion.

I've thought of it again because of a commercial on TV, which seems like its another further step past income insurance. The commercial was targetting mothers, who would not have had a full time income previously for the income insurance to be based upon, but it pays out over $500/fortnight (that's the claim on the ad). Now, I do not endorse this type of insurance in general, and I certainly don't endorse this company specificaly. However, having that ability to not return to work until he was good and ready did help my patient quiet a bit. Today, he does free lance work when it suits him, and is much happier than he was even before his treatment.

For this particular company I saw the ad for, they had what the called "day to day living expenses cover" and "serious sickness cover." I admit I didn't take enough time to compare them, but I imagine that for my target audience, one or both would be appropriate.