Chances of disability

How likely are you to experience a disability in your life?

If you are young and healthy, you probably think of disability as a thing completely removed from you, something others suffer from and will suffer from. Disability happens at birth, or disability happens to the elderly, you might say, it doesn’t happen to young people with their whole lives ahead of them.

The fact is, though, you are at a greater risk than you think. Take a look at these statistics on this lawyer’s page. The first one that jumps out at you is the fact that anyone under 45 has a 1 in 4 chance of suffering from a disability at some point in their lives. Think of yourself and your closest three friends: one of you will suffer from a disability at some point.

That makes disability feel more personal, doesn’t it?

Of course, your chances are higher in some professions than in others. In construction, the likelihood is an astounding 20 percent. If you aren’t looking to go into construction, that doesn’t mean you don’t have anything to worry about. Even professional workers have a 7 percent chance of serious illness or injury.

Okay, so you may have a potential disability ahead of you: what are you likely to be dealing with? Well, again, looking at that lawyer’s page, you’ll find almost a third (30 percent) of all disabilities are musculoskeletal disorders. That makes sense when you think about how many people sustain back injuries and neck injuries.

Beyond that, though, there’s still a high chance of nervous system and organ trouble (14 percent) and cardiovascular disorders (12 percent).

These problems are obviously severe, and they often affect your long-term ability to work. If that’s the case, you will be in a very bad situation without long-term disability insurance. Even then, though, it’s clear that not every claim is immediately accepted. Sometimes, lawyers have to be brought in to wrestle payments out of the insurance company just to get the money that will allow you to live.

This is all very bleak and upsetting information, but it’s important to think about such problems now while there is time to prepare. Be sure to get long-term disability insurance, even if you are young and strong at the moment. At the same time, document any health issues that develop in the course of your life. The more documentation you have of your health, and potential lack of it, the better shape you’ll be in to be approved by your insurance, should that moment arrive.

Finally, crucially, be careful. Be attentive to what you are doing. Even if you feel like it now, you are not invincible. Being careful and thorough in your actions and avoiding unnecessary risks will reduce the chance you are on the 1 in 4 to have to deal with these problems.

And no matter what, be grateful for the health you have today.

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