John is 28 years of age, he is a self-employed carpenter. He is debt-free and enjoyed life in a rental apartment by the beach. He only has living expenses and entertainment to worry about.
When he started to experience persistent back pain, he went to see his doctor who referred him to a specialist. After the results of his scans, it was discovered he had suffered a herniated disc in his lower spine. He was ordered to rest and can only do light duties.
Fortunately for him he had income protection with an agree value taken 2 years back which will pay him 80% of his pre-injury income which enabled him to continue to live in his rented apartment and he was able to take time off work to rest and recuperate.