What happens if the Breadwinner gets injured?

I'm a stay at home mom and my hubby is the breadwinner.  My hubby's job can be very dangerous at times.  He's been known to hang off of buildings 30 stories in the air.  You guys already know he's a BASE jumper and skydiver.  As his wife, I wish at least one part of his life was a little less dangerous.  Here's my hubby's view sometimes:
 Luckily, he's very smart and very cautious.  But, what if something did go wrong?  I know that nobody likes to think about something happening.  We have life insurance.  I don't want to ever have to use it.  But, what happens if he gets injured?

There are policies that cover him for injury also, but I think they only cover for a couple years.  We need to review all of our policies and see what they cover.  I'm sure we have some kind of coverage, but I don't remember what.  The chances are very high that if I have to find a job outside the home, I won't make anywhere near as much as he makes now.  And if he would need any kind of help in the home, that adds an extra expense.  I have a friend whose husband got hurt somehow and she works two jobs now and probably does most of the household things as well.  I just don't want to be in that position.
My hubby also has a friend who was injured and he gets some kind of compensation.  I'm not sure if he used something like an accident at work claim service or if it was covered by workman's comp.  I try not to put my nose into other people's business.  But, it does make me curious what we would do or how we'd be covered if something happened.  I think some people contact medical solicitors for help.  I see commercials for them on TV all the time.
I guess we need to try to be as financially fit as possible at all times to prepare for any kind of unforeseen circumstance.  One of our friends made the comment that "We are all one disaster away from financial ruin."    I try to keep up with our finances and know how much we have in savings at any given time.  We are nowhere near our goal.  I think all of the financial gurus out there recommend having 3 - 6 months of savings built up that would equal 3 - 6 months of your current earnings. 

Here are my steps to try to get closer to our goal of being financially safe in case of unforeseen circumstances.
  •  Check our current insurance policies to see what kind of disabilties they cover and for how long.  
  •  Get our debt under control and try to pay down our mortgage quicker. 
  • Start a budget that is actually feasible and stick with it.  We're really good at creating budgets, but not so good at actually sticking to them.  A budget isn't worth much if we're not actually using it!
  • Lead a healthy lifestyle.  Healthy bodies heal quicker!
  • Create a better savings goal.  I know it seems like it wouldn't make sense to put money in savings when interest rates are so low on savings accounts.  It would seem to make more sense to pay down debt.  But, a book that someone gave me once said, "Pay yourself first". 
There are so many subgroups that could go under each of the bullet points above, but I'll save those for another time.
What would you do if you or your spouse got injured?  Are you ready for that possibility?


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