Heart disease remains the leading cause of death in the United States, affecting millions of people each year. According to the American Heart Association, nearly half of all U.S. adults (48.6%) have some form of cardiovascular disease (CVD). That’s a staggering statistic that highlights just how common heart-related conditions are.

For many, heart disease is hereditary. If your family has a history of cardiovascular issues, it’s important to take proactive steps to protect your health. But have you considered the financial impact of a heart attack, stroke, or other major cardiac event? The costs associated with treatment and recovery can be overwhelming, often exceeding what standard health insurance covers.

The Hidden Costs of Heart Disease

A cardiovascular event can lead to:

  • High medical bills for hospital stays, surgeries, rehabilitation, and prescription medications.
  • Lost income due to time away from work during recovery.
  • Unexpected expenses like home modifications, specialized care, or additional childcare needs.

Even with health insurance, out-of-pocket costs can add up quickly, leaving many families struggling financially. That’s where voluntary benefits come in.

How Voluntary Benefits Can Help

Voluntary insurance options can provide a safety net for individuals at risk for heart disease. These benefits help cover expenses that traditional health insurance may not, reducing the financial stress that comes with a major health event.

  • Critical Illness Insurance: Provides a lump-sum payment upon diagnosis of a covered condition, such as a heart attack or stroke. This cash benefit can be used for medical expenses, household bills, or even lost wages during recovery.
  • Disability Insurance: Replaces a portion of your income if you’re unable to work due to a serious health condition, ensuring financial stability while you focus on getting better.
  • Life Insurance: Offers financial security for your loved ones, covering final expenses and providing long-term support if the unexpected happens.

Protect Your Future Today

Heart health is not just about prevention; it’s also about preparation. If you have a family history of heart disease, now is the time to ensure you’re protected from the financial burdens that can come with a cardiovascular event.

At e3 Benefit, we specialize in helping individuals and businesses find the right voluntary benefits to safeguard their financial well-being. Let’s talk about how you can protect yourself and your family today.

Contact us to learn about Critical Illness, Disability, and Life Insurance options. Your heart—and your wallet—will thank you.