I can't remember ever being so badly ill that I couldn't go to work! I don't remember hating any experience I ever had in a hospital! I'm just not sure about how it benefits me!
But then again every so often I get the fear that something might happen that's out of my control, you know, like a building falling down, or I catch some weird disease from some random person. It's then that you have to think about what I would do to keep up my rather lavish lifestyle when I was sitting about, and unable to work. The electricity to run my laptop doesn't fall from the sky with the rain, and if I'm going to be playing Football Manager all the hours that god sends me, somebody needs to pay for it.
That's why that whole Income Protection Cover interests me as it does, maybe it's not too bad too pay a little bit more while can, so you can spend a bit more when you can't.
It does seem to make sense. enlm