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Three in 10 workers entering the work force today will become disabled before retiring.

Social Security Administration, Fact Sheet January 31, 2007
2015-06-22T17:16:07+00:00
Three in 10 workers entering the work force today will become disabled before retiring. Social Security Administration, Fact Sheet January 31, 2007
An illness or accident will keep 1 in 5 workers out of work for at least a year before the age of 65.

Life and Health Insurance Foundation for Education, November 2005
2015-06-22T17:16:21+00:00
An illness or accident will keep 1 in 5 workers out of work for at least a year before the age of 65. Life and Health Insurance Foundation for Education, November 2005
One in 7 workers can expect to be disabled for five years or more before retirement.

Commissioners Disability Table, 1998,” Health Insurance Association of America, the New York Times, February 2000
2015-06-22T17:16:36+00:00
One in 7 workers can expect to be disabled for five years or more before retirement. “Commissioners Disability Table, 1998,” Health Insurance Association of America, the New York Times, February 2000
Disability causes nearly 50% of all mortgage foreclosures, 2% are caused by death.

Health Affairs, the Policy Journal of the Health Sphere, 2 February 2005
2015-06-22T17:17:14+00:00
Disability causes nearly 50% of all mortgage foreclosures, 2% are caused by death. Health Affairs, the Policy Journal of the Health Sphere, 2 February 2005
Less than 5% of disabling accidents and illnesses are work related. This means that 95% are not covered by Workers’ Compensation.

Council for Disability Awareness, Long-term Disability Claims Review, 2011
2015-06-22T17:17:31+00:00
Less than 5% of disabling accidents and illnesses are work related. This means that 95% are not covered by Workers’ Compensation. Council for Disability Awareness, Long-term Disability Claims Review, 2011
Less than half – 36% – of over 2 million workers who applied for SSDI benefits in 2011 were approved.

2012 Long Term Disability Claims Review, Council for Disability Awareness
2015-06-22T17:17:47+00:00
Less than half – 36% – of over 2 million workers who applied for SSDI benefits in 2011 were approved. 2012 Long Term Disability Claims Review, Council for Disability Awareness
Over 51 million Americans are classified as disabled, representing 18 percent of the population.

U.S. Census Bureau, Public Information Office, November 2008
2015-06-22T17:18:18+00:00
Over 51 million Americans are classified as disabled, representing 18 percent of the population. U.S. Census Bureau, Public Information Office, November 2008
In the last 10 minutes, 498 Americans became disabled.

National Safety Council, Injury Facts 2008 Ed
2015-06-22T17:19:17+00:00
In the last 10 minutes, 498 Americans became disabled. National Safety Council, Injury Facts 2008 Ed
The average long-term disability absence lasts 2.5 years.

Commissioner’s Individual Disability Table A
2015-06-22T17:19:41+00:00
The average long-term disability absence lasts 2.5 years. Commissioner’s Individual Disability Table A
69% of the private sector workforce has no long-term disability insurance.

Social Security Administration, Fact Sheet, February 2013
2015-06-22T17:19:59+00:00
69% of the private sector workforce has no long-term disability insurance. Social Security Administration, Fact Sheet, February 2013
According to the Federal Reserve, 44% of U.S. families spend more than they earn.

Federal Reserve Board, Survey of Consumer Finances 2004
2015-06-22T17:20:14+00:00
According to the Federal Reserve, 44% of U.S. families spend more than they earn. Federal Reserve Board, Survey of Consumer Finances 2004
Over 50% of the workforce has no private pension coverage and a third have no retirement savings.

Social Security Administration, Fact Sheet 2007
2015-06-22T17:20:27+00:00
Over 50% of the workforce has no private pension coverage and a third have no retirement savings. Social Security Administration, Fact Sheet 2007
Unexpected illnesses and injuries cause 350,000 personal bankruptcies each year.

Illness and Injury as Contributors to Bankruptcy, Health Affairs, February 2, 2005
2015-06-22T17:18:58+00:00
Unexpected illnesses and injuries cause 350,000 personal bankruptcies each year. Illness and Injury as Contributors to Bankruptcy, Health Affairs, February 2, 2005
In the U.S., a disabling injury occurs every 1 second, a fatal injury occurs every 4 minutes.

National Safety Council, Injury Facts 2008 Ed
2015-06-22T17:18:35+00:00
In the U.S., a disabling injury occurs every 1 second, a fatal injury occurs every 4 minutes. National Safety Council, Injury Facts 2008 Ed
  • If you’re under age 35, chances are one in three that you will be disabled for at least six months during the course of your career.
  • Men have a 43% chance of becoming seriously disabled during their working years.
  • Women have a 54% chance.
  • At age 42, it is four times more likely that you will become seriously disabled than that you will die during your working years.

There are no hard facts or statistics to foresee who will experience a disability or have an illness that will cause lost wages and lost time on the job.

Claims have been filed by new graduates, hygienists that have practiced for years, hygienists working part-time or full-time, hygienists with symptoms caused by their career and others with disabilities caused outside the practice of dental hygiene.

All we know is that hygienists file a significant number of disability insurance claims. Thus, fewer insurance companies are willing to insure this profession than those available in 1994.

The Washington State Dental Hygienists’ Association article of claims, 3rd Qtr, 2009, the following injuries and illnesses have caused dental hygienists to lose wages.
  • Auto Immune Disorders
  • Back/neck ailments: stenosis, strains, spurs, herniated disks etc.
  • Breast Cancer, resulting lymphoedemias in arms
  • Cervical Dystonia
  • Cervical Fusion
  • Carpal Tunnel Syndrome
  • Dermatitis on hands
  • Depression
  • Epicondylitis, tennis elbow
  • Fibromyalgia
  • Finger ailments: trauma, trigger, arthritis
  • Musculoskeletal Disorders (MSD)
  • Multiple Sclerosis
  • Shoulder ailments: calcified tendonitis, joint issues, De Quervain
  • Wrist ailments: broken, torn tendons/ligaments
  • Hygienist disability claims. For example, auto accidents (when not the fault of the hygienist) have led to a high number of disability claims. The youngest disability claimant has been 24 and the oldest 62 years old.
Can you imagine the impact on your current lifestyle if you were unable to work due to an illness or injury? Contact me today and let’s work out a plan that insures your future and your paycheck.

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