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"If you can't work, your whole world can fall apart quickly.  Most people are only about 90 days away from bankruptcy.  Studies have found that medical problems play a role in more than 60% of bankruptcies and half of all foreclosures."

—Matt Tassey, Past Chairman, LIFE Foundation.  Leading Causes of Disability WebMD Feature, R. Morgan Griffin

"People tend to think about disability in terms of catastrophic events, like a terrible car accident that leaves you paralyzed or in a nursing home.  Less dramatic and much more common conditions such as arthritis, back pain, heart disease, cancer, depression, diabetes and even pregnancy are some of the leading causes of disability in the U.S."

—Richard Frank, PhD, Deputy Assistant Secretary for Disability, Aging and Long-Term Care Policy at the U.S. Department of Health and Human Services in Washington, D.C., WebMD Feature, R. Morgan Griffin.

Whether it’s supporting your daily living expenses today or funding your retirement savings for tomorrow, your ability to earn an income is your most important financial asset. Many people purchase life insurance to help protect their families should they die prematurely. But according to data from the Society of Actuaries, people in their working years run a greater risk of being disabled for 90 days or more than they do of dying.   

DISABILITY INSURANCE CAN HELP
 

We don’t often realize how easy it is to become disabled. Most people think disabilities are caused by accidents, when in reality the majority of disabilities are caused by illness.

WHAT IS LONG-TERM CARE?

 Long-term care is a range of services and supports you may need to meet your personal care needs. Typically long-term care is less about medical care and more about the basic personal tasks of everyday life, or "Activities of Daily Living," (ADL's) such as:

• Bathing
• Dressing
• Using the Toilet
• Transferring to or from Bed or Chair
• Caring for Incontinence
• Feeding Yourself 

Additional Long-Term Care services and supports are assistance with everyday tasks, also known as "Instrumental Activities of Daily Living," (IADL's) such as:

• Housework
• Money Management
• Preparing or Cleaning Up After a Meal
• Shopping for Groceries or Clothes
• Using the Telephone or other Communication Devices
• Caring for Pets
• Responding to Emergency Alerts such as Fire Alarms

WHO NEEDS LONG-TERM CARE?

Statistics show that 70% of people turning age 65 can expect to use some form of LTC during their lives.

HOW MUCH LONG-TERM CARE WILL I NEED?

It will vary per person, but the average stats are that:

• Women need care an average of 3.7 years
• Men need care an average of 2.2 years
• One-third of today's 65-year-olds may never need long-term support, but 20% will need it for longer than 5 years.