Specific Causes Of Disabilities

Specific Causes Of Disabilities

One of the most common misconceptions people have is that they would need to be a paraplegic to be considered disabled. Many people have the "If I can think, see and type on my computer then I can work" notion about disability insurance. In reality only 13% of disabilities are due to injury (National Institute on Disability and Rehabilitation Research, 1992). Illness is what really prevents you from working in your occupation. In case you didn't already realize it, illnesses don't care what you do for a living, and will disable people who are computer consultants, physicians or plumbers in the same way. We encourage you to request a disability insurance proposal now to begin the process of purchasing disability insurance so that none of the impairments listed below will ever prevent you from bringing home a paycheck.

Impairment - Total Percentage Of Disability Claims

Disability Pie Chart

The above chart shows the statistics on disability insurance claims. As a consumer you should always make sure that the policy you choose protects you from some of the leading causes of claims, especially the psychiatric and emotional disorders. 12.7% of claims come from this area, and almost all of our competitors are now limiting benefits paid for mental and nervous disabilities to only two years.

I have yet to meet someone without a history of mental health issues who is concerned about this area of a policy. Nobody thinks they will ever develop any mental or nervous problems that will disable them. That is not how most claims happen, you don't wake up depressed one day. People develop an these problems after watching a wife or child go through chemotherapy, struggling with a serious problem at work or home, or after some other significant life event. If you were to limit 12.7% of possible claims by going with a company who capped benefits to two years you may be leaving yourself with sig. exposure. Do you know what the limits are on your existing coverage for mental and nervous disorders.