We don't like to think about bad things happening to us personally but the likelihood of you becoming sick or injured and unable to work is higher than you probably imagined. The Personal Disability Quotient, or PDQ, will calculate your odds of eventually becoming disabled. If you do become disabled, you can be out of work for weeks, months or even years, and that can be disastrous to individuals and families. To find out your PDQ in just a few minutes, go here: http://www.disabilitycanhappen.org/chances_disability/pdq.asp
It happens more often than you'd imagine:
· Just over 1 in 4 of today's 20 year-olds will become disabled before they retire.
· Over 37 million Americans are classified as disabled; about 12% of the total population. More than 50% of those disabled Americans are in their working years, from 18-64.
· 8.8 million disabled wage earners, over 5% of U.S. workers, were receiving Social Security Disability (SSDI) benefits at the end of 2012.
· In December of 2012, there were over 2.5 million disabled workers in their 20s, 30s, and 40s receiving SSDI benefits.
Don’t think Social Security or Workers' Compensation will cover your expenses:
· 65% of initial SSDI claim applications were denied in 2012.
· Can your family live on $1,130 a month? That's the average monthly benefit paid by Social Security Disability Insurance (SSDI) at the end of 2012.
· The average SSDI monthly benefit payment for males was $1,256
· The average SSDI monthly benefit payment for females was $99316
At the end of 2012:
· 7.3% of SSDI recipients received less than $500 monthly.
· 46% received less than $1,000 per month.
· 93% received less than $2,000 per month.
· Less than 5% of disabling accidents and illnesses are work related. The other 95% are not, meaning Workers' Compensation doesn't cover them.
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