Insurance doesn’t have to be merely for possessions should an accident occur. For athletes, insurance can be a method to promote sustainability during an injury or a way to pay for treatment should something happen. You should never gamble with a lifestyle and need to do everything you can to prevent yourself from retiring early due to physical complications. Why is this insurance of your physical attributes so important?
1. Paycheck – If you’re paid for your physical abilities such as professional sports or the like, your ability to play may affect your income. The worse you play because of a physical injury, the less desirable you are. No one wants to hand over a great deal of cash to someone that can’t play up to his or her expectations. As an athlete, your body is your most important possession and not keeping it well maintained and safe could alter your way of life in ways you may not even realize.
2. Early Retirement – Too many injuries of a certain kind or a severe crippling circumstance can end your career as an athlete. Too many individuals, both professional and amateur, have had to retire earlier than they wanted due to the inability to perform required functions. Although some of these athletes had a safe fallback plan such as a secondary career in order to pick up the slack, many did not. Without certain physical coverage, you may not be able to get the treatment you need should something bad happen. Some plans will even compensate some of your pay in order to help you get back into the world of employment.
3. Unforeseen Circumstances – Insuring yourself is more than just merely protection against accidental injuries such as tripping over a bike and breaking your leg. It is protection against the other human elements. Most people don’t believe they’re going to be in an automobile accident until someone runs a stop sign. You shouldn’t put such complete and utter faith in humanity’s ability to be observant. An ice-covered road and a car traveling at 30 miles per hour can easily put an end to your athletic career.
4. Casual and Amateur Athletes Beware – You don’t have to be a paid professional athlete in order to be subjected to the same injuries. Perhaps you trip and break your ankle during a jog around the block. Injuries can happen virtually anywhere and without proper insurance, your household income could be diminished by your time off from work. Regardless of the activity, putting physical strain on your body always runs a risk of injuring your body.
5. Emotional Distress – For many athletes, their activities are an integral part of who they are. If they are unable to perform these functions because of a lack of safety or proper medical treatment, it can be very emotionally taxing. You shouldn’t feel weak in the eyes of your peers if you are taking steps to ensure your safety. Realize that preventing injuries will keep you in the activity long after your peers have to retire early because they wanted to be “tough.”
Insurance of any kind is always a good idea. Life has a way of making things happen regardless of how many precautions you take. Professional and casual athletes alike should never put such a detrimental view of their physical attributes by not being safe or insuring against accidents.
Elizabeth Reed is a freelance writer and a resident blogger at Liveinnanny. She particularly enjoys writing about parenting, childcare, health and wellness. In addition, she is an expert consultant on issues related to household management and kids.