As an employee, you have probably heard of long-term disability insurance. Though, while you may see it as generally important, you may not think it is necessary for you.
However, if you become unable to work for an extended period of time due to an accident, injury or illness, you might need a long-term disability plan to help you cover your expenses. Although you probably cannot imagine something happening to you, an extended absence from work could be detrimental to your financial situation. But do you know how you can reduce your chances of becoming disabled?
There are ways to lower your risks
In addition to following safety guidelines in your workplace, there are many things you can do to maintain your strength and well-being. Living a healthy lifestyle could increase your productivity at work as well as your quality of life.
Steps you can take to reduce your risks of disability include:
- Exercise. Participating in physical activity can help you reduce your risk of high blood pressure, cancer, obesity and heart disease.
- Protect your back. Along with arthritis, back injuries are a common cause of disability. Stretching and losing weight can help lessen your chances of back pain.
- Stop smoking. Numerous conditions, such as cancer and heart disease, are linked to nicotine use.
- Reduce stress. Taking strides to care for your mental health is important for happiness and clarity of mind, plus it can also factor into your physical wellness.
Making healthy choices can help you avoid the financial hardship which often accompanies time away from work. And by working to prevent a disability, you could improve your long-term quality of life.