Disability Insurance does not only Cover Accidents

Disability Insurance does not only Cover Accidents

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Disability Insurance does not only Cover Accidents

If I had a dollar for every time somebody told me they dont need disability insurance because they dont believe they will ever get in an accident (auto or otherwise), I would be a wealth man (well, maybe Id have a couple of hundred dollars more in my pocket).

First of all, who believes they will ever be involved in a career-shortening accident?  Secondly, the majority of disabilities are not caused by accidents.  Accident-related claims account for less than 10% of claims, according to the Council of Disability Awareness (CDA).

The majority of claims, in fact, are caused by illness and disorders.  According to the CDAs 2010 Long-Term Disability Claims Review, the following are the leading cause of claims in 2009:

Musculoskeletal/connective tissue disorders caused 26.2% of new claims (includes claims caused by neck and back pain; joint, muscle and tendon disorder; foot, ankle and hand disorders, etc.).

Nervous System-Related Disorders caused 13.7% of new claims.

Cardiovascular/circulatory disorders were responsible for 13.1% of new claims (includes claims caused by heart and circulatory disorders, stroke, etc.).

Cancer caused 8.4% of disability insurance claims.

Unfortunately, illness happens and one never knows who and when one will be affected.  The bottom line is, if you and your family rely on your income, you should look into protecting that income by purchasing a disability insurance policy.  To find out more about how disability insurance works, visit our Disability Insurance Education Center.

If you would like to see how much it would cost to protect your income, request disability insurance quotes from the top disability insurance companies click the Get Started button above.

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