Are you covered yet?
Self-care isn’t about indulging yourself and being selfish. It’s about taking care of yourself so that you can be healthy enough to accomplish daily tasks–including helping and caring for others.
How would you pay your monthly bills if you suffered a disability that prevented you from working? How would you keep the lights on and food on the table?
That’s where disability insurance comes in. Disability insurance is protection for your greatest asset—your income. Disability insurance replaces a portion of your income if injury or illness prevents you from working so that even if something happens, you can still take care of yourself and those who depend on you.
Did you know that more than 25% of today’s 20-year-olds will experience a disabling event that prevents them from working for at least three months before retirement? And 90% of claims for long-term disability benefits stem from medical illnesses, not physical injuries.
Here are the most common disability insurance claims:
- Musculoskeletal Disorders– One of the most common medical conditions in disability insurance claims, by far, is lumbar cervical issues. This becomes a severe issue when workers must sit at a desk to perform their jobs’ functions. Many claimants with musculoskeletal disorders have herniated disks and back problems, have spine fusions, or have difficulty sitting for long periods due to pain.
- Mental Health Issues– It is just as disabling as physical disabilities. The psychiatric conditions can range from depression to anxiety, bipolar diagnosis, post-traumatic stress disorder, cognitive difficulties, and much more.
- Cancer– A cancer diagnosis cannot be contested. Cancer is now relatively treatable, resulting in a rise in disability battles over whether patients may return to work. Despite “return to work” options for cancer patients, some employees have severe constraints due to treatment.
- Nervous System Disorders– Among the illnesses that affect the nervous system are Parkinson’s disease and multiple sclerosis. Since these conditions worsen, it might be challenging to obtain disability benefits.
- Heart Disease– Heart disease and cardiac diseases resulting from heart attacks, heart surgery, other cardiac treatments, and chronic conditions are expected in disability claims denied under ERISA. Even after having heart surgery, people with cardiac difficulties are frequently likely to return to the workforce within 60 days.
How To Start Your Self-Care Routine in Three Steps?
First, plan and list your priorities.
Second, ensure your financial security.
Third, get disability insurance.
If you rely on your ability to work and provide a steady income to safeguard your financial stability, then you need disability insurance. Disability insurance is associated with any profession. Medical illnesses trigger most disability insurance claims — not work-related accidents.
Disability insurance is a form of self-care—you’re looking out for yourself and your family by ensuring you have a plan if something unexpected happens.
If you’re young and healthy, it might seem like buying disability insurance is far off in the future. The truth is that unforeseen accidents and illnesses happen all the time—and if you don’t have disability insurance, they can throw a wrench in your finances. But the reality is that even if you’re young and healthy now, you can still end up with a sudden and unexpected disability tomorrow. And it’s not just for people who are older or have health conditions; everyone should have disability insurance.
Take care of yourself so you can continue taking care of others too. Heroes Sick Pay is here to find the best coverage for you.