With rising medical costs and a lack of emergency savings, many Americans are at risk of financial difficulty if they miss work due to illness, injury, or pregnancy. This is why it’s more important than ever to prepare for the unexpected.
The best way to prevent disabilities caused by illness is through early diagnosis and treatment. But there are also some things you can to do help minimize your chances of developing a disability altogether.
Exercise daily. Most experts agree that just 30 minutes of exercise can reduce the risk of heart attack, diabetes, and stroke.
Eat right. For example, foods such as blueberries and cinnamon may have cancer-preventive properties, while avocados and wild-caught salmon are heart-healthy superfoods.
Get regular check-ups. Sudden changes in weight, sleep patterns, or appetite can sometimes indicate an underlying illness. Checking in with your doctor on a regular basis gives you the best chance of early detection.
Early diagnosis and treatment can help you weather the storm physically, while long-term disability (LTD) insurance can help you get through the financial impact of a disability. LTD insurance pays you a monthly benefit that you can use to help pay your expenses if you become disabled and cannot work to earn a living. Many LTD plans also offer return-to-work features that help you ease back into the workplace when you’re ready.