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Most people underestimate their risk for a disability

With rising medical costs and a lack of emergency savings, many Americans are at risk for financial difficulty if they miss work to illness, injury or pregnancy.

With rising medical costs and a lack of emergency savings, many Americans are at risk for financial difficulty if they miss work to illness, injury or pregnancy. And with muscle, back pain and cancer topping the list of 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. Here are three steps you can take to stay healthy and help prevent disabilities and illnesses:

  • Eat right. Foods such as blueberries and cinnamon may have cancer-preventive properties, and avocados and wild-caught salmon are heart-healthy super foods.
  • Exercise daily. Most experts agree that just 30 minutes of moderate exercise can reduce the risk of heart attack, diabetes, and stroke.
  • Get regular check-ups. 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.

*Integrated Benefits Institute, Health and Productivity Benchmarking 2016, Long-Term Disability, All Employers. Condition-specific results.
Coverage is issued by The Prudential Insurance Company of America, a Prudential Financial company, Newark, NJ.
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