It is a reminder to all that along with loss of licence you should buy income protection.
Spot on! It is the best thing that money can buy.
Likewise, I was brushing my teeth one morning, I was a mere 25 years young. I stood up from the sink and was walking away from the bathroom when my back locked up. I was crippled in pain. No previous back history problems and no previous injury. It took 12 months to get back on track. The technology wasn't around back then that we have today to investigate and identify the problem through MRI and CT scan , but it is now proven that I had torn muscles betweel L4 and L5. My back started playing up again when I turned 40 and is a constant sounce of pain and discomfort today. Root Cause??? No idea. Brushed my teeth and then bit the dirt as a result!
Warning - Where and when you can buy income protection and ensure you report EVERYTHING in the worplace. It is time consuming and sometimes seems pedantic but every tweak, strain, anything in the workplace should be documented, not for the purpose of being a pain in the ass or attempting a rort, but to cover and protect yourself.
Just quickly, true story - I had a nurse friend in central queensland. As a joke somebody at work put some thorn spikes inside her surgical glove (it was a heavy duty specialist type glove, not the standard thin type). Anyway, she spiked herself (ha ha it was all very funny) and ended up with a small sore on her finger so she filled in a workplace incident report, of course she was ridiculed mercilessly over this. Three weeks later her finger swelled up, excruciating pain and she couln't work (her theatre hands are her tools). End result - A microscopic piece of the thorn broke off and lodged in her knucle. She had three operations and has a permanent disabilty in her hand/finger and could never work as a steady handed theatre nurse again. In fact they couldn't/wouldn't retain her or place her in a different role and ended up sacking her. It was her personal work insurance cover that eventually saw her through a period of seveal years unemployment and a payout came down the track. Of course her 'Employer' who was responsible for the entire episode didn't back her and pineappled her instead as they thought she was a liablity. Again, had she not had her own protection she would have had several years of financial grief.
Part of the happy ending is that I married this girl and she is a beautiful woman who went on to bigger and better career heights in the health care world by using her brain instead of her hands!
And one last word of warning. Remember that most forms of personal insurance/income protection only cover a percentage of what you earn, so for example if you earn 200k per year (CASA admin Clerk) you may only get say 75% of that salary (150k), so do your sums and shop around. Some policies only cover you for after you have been out of work for three months and up to a maximum of 2 years etc. Some won't cover you if you have prior injuries or things such as depression. Also some policies won't cover you if you neck yourself, so think of your family. Sounds harsh but a fact.
Stay safe.