| Disability is very unpredictable, if you became disabled, | | | | physical damage and you couldn't work for a week or |
| your skill and chances of working could be halt, even | | | | even months, what if your married and you've got |
| though you still have few money left on you bank but | | | | children's funds to attend to but for sure your spouse |
| what would happen if you're unable to sustain and | | | | can help you with the expenses, but being the head of |
| maintain your short-tem needs? Or even unemployed | | | | the family, you also have your financial obligation for |
| for a month? Disability Insurance now comes in and is | | | | them. But what if your spouse can only support less |
| very useful, in fact this could even protect you from | | | | income for the family? |
| the long drag. | | | | You should also take note that you don't have to work |
| A look at the odds | | | | on a dangerous kind of job in order to get disability |
| Being disabled is quietly unexpected, the following | | | | insurance, injuries and fatalities could even occur at |
| events are as followed: | | | | home or even illness can strike anyone. On this |
| Event Frequency | | | | explanations and samples stated, one must think about |
| Home fire 1 out of every 88 homes | | | | and consider on getting disability insurance for their |
| Fatal auto accident 1 out of every 70 autos | | | | sake. |
| Deaths 1 out of every 106 people | | | | But isn't disability coverage through an employer or the |
| Disabilities 1 out of every 8 people | | | | government enough? |
| A glance at disability stats reveals the following below: | | | | This thought might come into your head like your |
| • 30 year old man has got 1 in 5 chances of | | | | sufficiently insured against disability because of the |
| tolerate disability before the planned retirement. | | | | exposure through your government programs like |
| • 30 year old woman has got 1 in 3 chances | | | | Social Security or workers compensations. There are |
| of endure disability before her planned retirement. | | | | 50% employers covers a short-term disability and 40% |
| • There are 50% of people who have to go | | | | covers long-term disability, the government will pay |
| thru disabilities longer that 6 months continues to be | | | | your benefits if you can provide a firm explanation of |
| disabled after 5 years. | | | | disability, below are some ideas you may benefit. |
| • There are two common causes of | | | | • Social Security |
| disabilities, these are Heart diseases and back | | | | - You should not expect too much on the benefits you |
| problems. | | | | can get from the disabilities you may have eligible from |
| • Majority of people lost their homes due to | | | | Social Security, they tend to deny more than 50% of |
| disabilities rather than fire or deaths. | | | | the claims presented, depends again with your firm |
| • 1 in 7 employees will be disabled in 5 years | | | | definition of disability. Even if you're estimated to have |
| before giving up with work. | | | | an eligible benefit, but still you won't be receiving them |
| Researches indicated that medicine had founded | | | | until for least 6 months from being disabled, social |
| ways of treating many injuries and illness which are | | | | security imposes a waiting period. |
| very severe, this maybe good news for you to | | | | • Workers' compensation |
| increase your need to protect your income with | | | | - you may be compensated with disability insurance |
| disability insurances | | | | benefit if your sick, injured or Ill due to job related |
| Although, some of these statistics may show false | | | | reasons, you should also take note that your |
| information, there's a low possibility of you becoming | | | | compensation for disability will only take effect when |
| disabled when your healthy and you work on a low | | | | your disability is caused by work related, so it only |
| level risk of job. Are you aware of how many people | | | | offers limited protection. Other states only cover |
| who undergo with cancer and severe great heart | | | | disabilities like diseases. |
| attack? Or even among your friends who had a fatal | | | | • Pension plans |
| car accidents? With illness and being disabled? What if | | | | - these pension plans may pay based on the total, |
| you'll experience these kinds of situations? How would | | | | permanent disability, minuses the retirement |
| you able to give support to you family or even for | | | | assessment equally to what you have received for |
| yourself? | | | | disability, these benefits are usually included with social |
| What would happen if you became disabled? | | | | security or workers compensation, your benefits would |
| Unfortunate events could strike you anytime of the | | | | be less than you might expect when you receive |
| day, especially when you have experience a sever | | | | these disabilities from the government source. |