Ray was a surveyor who loved the outdoors but was diagnosed with multiple sclerosis in his 30s, which gradually took away his ability to use his body from the neck down. Despite his condition, Ray maintained a positive attitude with the support of his wife, who became his primary caregiver, though their limited funds prevented home improvements. Ray survived over 20 years with MS but additional income from disability insurance could have benefited him and his exhausted wife, who passed away shortly after Ray.

1. My
Friend
Ray
1

2. My friend Ray was a robust, tall,
handsome surveyor and he loved to
be outside in the Sierra Mountains
and foothills.
2

3. Sometime in his 30’s he was
diagnosed with MS (Multiple
Sclerosis).
3

4. Gradually the MS took
away his abilities until he
couldn’t use any part of his
body from the neck down.
4

5. Ray had an abiding faith in
God and his attitude
remained amazingly positive
despite everything.
5

6. In one of our many conversations, Ray
told me he had been offered disability
insurance well before he knew he had
MS, but he had chosen not to take it.
6

7. His wife was his primary
caregiver. Even with help from
family and friends their funds
were limited.
7

8. One result of their limited
finances was that they couldn’t
afford to upgrade their
wheelchair-adapted van to
provide windows.
8

9. So, this nature-loving gentleman
could never see anything outside
when they drove anywhere.
9

10. Ray survived over 20 years, an
inspiration to all who knew him, but
clearly additional income could have
meant a great deal to him and his wife.
10

11. His exhausted wife died less
than two years after his death.
How I wish this family could
have had the benefit of disability
income insurance !
11

12. Call us today with any questions you
have about Disability Income Insurance.
We can custom design a plan for you
and your unique situation.
The End
All rights reserved – Dick Nehls 2017
12
Dick Nehls
Disability Income Insurance Broker
California License # 0455702
(800) 888-1532