I don’t know anyone who is disabled, so it probably won’t happen to me.

Did you know that disabled is more than a wheelchair?

Is your income needed each month to pay family expenses or is it extra cash?

Is there money left over after you pay your bills each month  or do you fall short?

Could you live on less?

If you are the primary bread winner how will you take care of your family?

Sick leave and vacation time can be used to cover expenses during a disability, but the benefits usually run out in a matter of weeks – at a time when the expenses are often increasing.  In many cases, a disability can last for three months.

What DO you think the chances are of becoming disabled at your age?  How about at age 40 or 50?

Do you know someone with a chronic illness?  Maybe you know someone with asthma, multiple sclerosis, cancer, diabetes, heart disease, or chronic fatigue syndrome.

Every street corner has a handicapped crosswalk.  Every building has handicap access

There are many causes and conditions that can impair mobility and movement. The inability to use legs, arms, or the body because of paralysis, stiffness, or pain is common.  It may be the result of birth defects, disease, age, or accidents.

Did you know that insurance statistics show that only nine percent of long-term disabilities actually resulted from serious accidents.  The top causes of disability are often triggered by more common, chronic conditions, including one out of four caused by muscle and bone disorders like back problems, joint pain and muscle pain.

Did you know that disabled individuals are the largest minority?

Everyone says they don’t know anyone who is disabled  ~ but that is because they don’t hang out where you do.  Yet living with a chronic illness involves more than the physical limitations created by the illness.  It also contributes to financial, relationship, and emotional challenges as well.

Family life may be vastly altered if the primary wage earner is unable to work or if treatment requires long-term changes in the family routine and activities.

What would you do?

Test your basic knowledge of disability insurance, and the risk of becoming disabled.

Click here to see the 2013 LIMRA Survey and take the test