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DISABILITY 101

It Can Happen To You:

  • Close to 90% of disabling accidents and illnesses are not work related, and therefore not covered by workers’ compensation.
  • In the last 10 minutes, 498 Americans became disabled
  • In the home, a fatal injury occurs every 12 minutes and a disabling injury every 3 seconds.
  • In the U.S., a disabling injury occurs every 1 second, a fatal injury occurs every 4 minutes.
    • Every 19 seconds someone is injured in an auto accident.
    • Every 4 seconds someone is injured in some kind of accident.
  • 1 in 3 working Americans will become disabled for at least 90 days or more before age 65
  • 9 out of 10 individuals underestimate their own chances of becoming disabled.

If Your Income Stops, Consider This:

  • A Harvard University report reveals medical problems contributed to 62% of all personal bankruptcies filed in the U.S.
  • Only about 35% of those who apply for Social Security benefits actually qualify for them.
  • If you have saved 10% of your income each year, 1 year of being totally disabled could wipe out 10 years of savings.
  • The average individual disability claim lasts 31.6 months.

The Most Common Reasons For Short-Term Disability Claims Are:

  • Musculoskeletal disorders affecting the back and spine, knees, hips, shoulders, and other parts of the body
  • Injuries such as fractures, sprains, and strains of muscles and ligaments
  • Digestive disorders, such as hernias and gastritis
  • Mental health issues including depression and anxiety
  • Drug and Alcohol dependency
  • Pregnancies

The Most Common Reasons For Long-Term Disability Claims Are:

  • Musculoskeletal disorders affecting the back and spine, knees, hips, shoulders, and other parts of the body
  • Cancer
  • Heart Attack
  • Stroke
  • Injuries such as fractures, sprains, and strains of muscles and ligaments
  • Mental health issues including depression and anxiety
  • Drug and Alcohol Addiction

Sources:
– Council For Disability Awareness
– Social Security Administration
– National Safety Council