Accidents happen at anytime of the year and anywhere. You may not want it to happen to you or your loved ones, but you can never predict when is it going to happen or how to avoid them in case they are coming you way. It is inevitable and it could meet your way at the most unexpected time of your life. Worst consequence is that you could lose your own life. On the contrary, if you were able to survive from the sudden tragic and traumatic event of your life you are lucky enough to evade the most fearing factor of life.

However, your short-term disability status after surviving the accident could take a hard toll on your part because suddenly the world can be so hard for you. And couple this with another sad reality of the financial consequences (especially if you don