If you’re young and healthy, you’ve probably given the notion of disability insurance little thought. Most of the employees in this age range may even mock him as insignificant in view of his youth.

“Disability insurance? Compensation if I can’t work?” they may exclaim. “Wow, this is a cover I really don’t need.”

If you were to talk to the professionals, those who are in the trenches when it comes to related liability and insurance claims, you would hear a much different story. In fact, the discussion would lead him to be very grateful to be covered.

Deep down, every person understands that whatever blessings we have in life should never be taken for granted. Car accidents, business mishaps, devastation at home – all these things happen. Likewise, no one can guarantee that illness or disease will not disrupt a life once devoid of it, regardless of what current season one is in.

Do you need more on the matter? Here are the sobering facts:

• 1 in 4 youth in the age range of twenty suffers a long-term illness or injury.

• Each year, there are more than 700,000 workers and salaried employees who receive Social Security disability insurance benefits.

• Overall, 1 in 15 employees file one short-term disability claim per year.

• Almost fifty percent of all Americans do not have the money to finance a four hundred dollar medical emergency.

• Breaking or fracturing a leg can cause a break in employment of three months or more.

• On average, a long-term disability insurance claim lasts more than two years and six months.

• A work-related physical disability can be the result of a number of factors, including chronic headaches, ongoing back pain, cancer-related treatments, the birth of a new baby, vision loss, heart disease, mental illness and emotional and cerebrovascular accidents, as well as other diseases and situations.

• The median income for recently graduated college students is approximately $1,101. Compare that to the average maximum long-term disability claim of $125,450 of lost earnings.

With the data currently available on young workers, a disability that renders someone unable to work would have devastating effects without adequate insurance coverage.

did you know

• Thirty-five percent of young employees experience difficulty meeting daily monthly costs.

• About 70 percent of all US citizens do not have even a thousand dollars in savings.

• To make matters worse, thirty-one percent of those in the eighteen to thirty age range have no savings at all.

Life has its monetary responsibilities. These can include rent, mortgage, student loans, car payments, and more. Protect your earnings and ability to make ends meet by making sure you have a protective disability insurance payout.