3 Steps to Help Reduce Risk for Disability

January 2023

To help yourself stay healthy and reduce your risk for a disability, here are three steps you can take.

With rising medical costs and a lack of emergency savings, many Americans are at risk for financial difficulty if they miss work due to illness, injury, or pregnancy. And with cancer, back disorders and injury topping the list of the most common reasons for long-term disability claims*, it’s more important than ever to prepare for the unexpected. The best way to prevent disabilities caused by illnesses is through early diagnosis and treatment.

Steps to help stay healthy:
  1. Eat well. Foods such as blueberries and cinnamon may have cancer-preventive properties, and avocados and wild-caught salmon are heart-healthy superfoods.
  2. Exercise daily. Most experts agree that just 30 minutes of moderate exercise can reduce the risk of a heart attack, diabetes, and stroke.
  3. Get regular checkups. Sudden changes in weight, sleep patterns, or appetite may be signs of an illness. Blood tests can diagnose a host of illnesses.

Early diagnosis and treatment can help you weather the storm physically, while financial protection, such as long-term disability (LTD) insurance, can help you get through the economic impact of a disability. LTD insurance pays you a monthly benefit that you can use to help pay your expenses if you become totally disabled and cannot work to earn a living. It’s money for mortgage payments, child care, tuition bills … whatever costs you incur, you can pay with a monthly LTD benefit.

Many LTD plans also offer return-to-work features that help you ease back into the workplace when you’re ready. Evaluate a number of plans and choose one that works for your lifestyle. Like changing your diet or fitness regimen, LTD insurance can help you stave off the adverse effects of a disability.


* BenefitsPRO, 10 Top Causes of Disability Claims, May 17, 2018

Coverage is issued by The Prudential Insurance Company of America, a Prudential Financial company, Newark, NJ.


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