On the homepage of DI4MDs.com we have added a disability insurance counter that tallies the amount of disabilities that occur for the current day/month/year. The numbers are provided by the council for disability awareness and are somewhat staggering. Through our longevity in the business we process about a claim every other week. At first we believed they claims would mostly be accidents but over time we realized that majority of claims are illness related. About 70% of disability claims are caused due to sickness/illness. Below are some facts provided by the Council for Disability awareness about the causes of disability insurance and the rate at which they are occurring in America:
What are the most common causes of disability?
Injuries at work? Freak accidents? It’s true, they happen. But the truth might surprise you.
Illnesses like cancer, heart attack or diabetes cause the majority of long-term disabilities. Back pain, injuries, and arthritis are also significant causes.
Most are not work-related, and therefore not covered by workers’ compensation.
Lifestyle choices and personal behavior that lead to obesity are becoming major contributing factors.
Musculoskeletal disorders are the #1 cause of disabilities. Examples include; arthritis, back pain, spine/joint disorders, fibromytis, etc.
Here is a chart of claim diagnosis categories in lay language to provide clear examples of common causes of disability: http://www.disabilitycanhappen.org/pdfs/research_2011/CDA_SurveryCharts_DiagChart2.pdf
More facts on disability in America from the Council for Disability Awareness:
Disability is already a widespread problem, and the threat is growing at an alarming rate.
More than 30 million Americans between the ages of 21 and 64 are disabled, according to the most recent U.S. Census.
2.3 million people filed disability claims with Social Security in 2008.
25+ million American lives are restricted by the effects of disability, according to the Centers for Disease Control and Prevention.