Clients often tell me they don’t need disability insurance because they are not accident-prone. However, it may surprise you that only 14% of disability insurance claims are caused by injuries. Most are caused by illness. The ratio of claims due to illness is six times more likely to come from illness.
Here are some recent claims filed with a major insurance carrier:
- 2 Lumbar Laminectomies
- Acute Myocardial Infarction
- Alzheimer’s Disease
- Angina Pectoris, Coronary Artery Disease
- Anxiety Disorder, Depression
- Brain Tumor
- Cancer of Lung
- Carcinoma Lung
- Cerebral Aneurysm
- Cervical and Lumbar Back Sprain
- Coronary Artery Disease
- Crohn’s Disease
- Degenerative Arthritis Both Hands
- Degenerative Disc Disease
- Diabetic Neuropathy, Lower Extremities
- Left Brachial Plexus Compression Syndrome
- Lou Gehrig’s Disease (ALS)
- Lumbar Disc Disease Right Laminectomy
- Lumbar Nerve Root Irritation
- Multiple Sclerosis
- Multiple Trauma
- Myocardial Infarction, Coronary Artery Disease
- Neuropathy, Collagen Disease
- Obstructed Right Lateral Ventricle, Seizures
- Pancreatitis, Neuropathy, Diabetes, Angina
- Parkinson’s Disease
- Post Traumatic Stress Disorder
- Severe Coronary Artery Disease
- Severe Headaches, Anxiety
- Thoracic Outlet Syndrome
- Uncontrolled Diabetes