Zapatero said that Spain will emerge from the crisis in the second half of 2009

José Luis Rodríguez Zapatero has said that “although the crisis is strong and still has tough times in the next three or four months, she will leave Spain in the second half of 2009.” It has also ensured that the Spaniards would be spared next year at around 20,000 million euros in paying their mortgages “thanks to the steady fall in Euribor” and was convinced that “all the autonomous communities are going to win” because “van to have more resources. “

The president, told TV-PSOE, which took stock of 2008 and announced what he expects for 2009, stressed that next year will be a test for the Executive and for the country, while what he described as “serious challenge to the government,” because everything that “we have adopted has to work and we have to manage it effectively.”
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You are enjoying life, everything is ticking along nicely and wham! An accident/illness or even redundancy knocks your world into a spiralling downturn. It doesn’t even need to be life threatening. Any threat to your health/financial stability affects you in ways you don’t imagine until it happens!!

In 2001, there were 7.4 million households in England and Wales with one or more persons with a limiting long term illness (source:statistics.gov.uk).

Employees may be lucky enough to receive either all or a percentage of their normal salary for a limited period. This however, is becoming more the exception than the rule. There is no possibility of this cushion for anyone who is self employed.

Legally, employers are obliged to pay most employees who are absent from work due to sickness for at least 4 consecutive days and earning an average of £90 per week before deduction of tax and national insurance, Statutory Sick Pay (SSP) for up to 28 weeks. The standard weekly rate of SSP is £75.40 from 6 April 2008 to 5 April 2009 which will very likely be less than your full earnings.

Accident, Sickness and Unemployment policies can prove invaluable, and unlike life insurance, pay out when you need it, usually providing a maximum of 50-65% of gross earnings. Premiums will be dependant on age, gender, health, lifestyle, hobbies and the period before which you can claim from your policy (known as “waiting period”).

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