Life is unpredictable. One moment you’re healthy and active, and the next moment an accident or illness strikes unexpectedly and you’re not — a reality many people have recently experienced firsthand during the COVID-19 pandemic.
Think you’re invincible? Of course you want to have a positive outlook on life – it’s good for your overall health. However, you don’t want to be naïve.
The truth is that 1 in 4 20-year-olds will experience a long-term disability and miss work for at least a year before they reach retirement age. And even short-term disabilities (lasting six months or less) take their toll, affecting around 5 percent of working Americans each year.
