--- title: Disability Insurance Awareness description: Protect yourself from the financial impact of disability. Understand the importance of disability insurance and how to plan for the unexpected. image: https://blog.concklin.com/hubfs/Imported_Blog_Media/inclusion-2731339_640.jpg --- [Skip to content](https://blog.concklin.com/blog/disability-insurance-awareness.html#main-content) [facebook-f icon](https://www.facebook.com/ConcklinInsurance) [linkedin-in icon](https://www.linkedin.com/company/concklin-insurance-agency) [Twitter icon](https://twitter.com/ConcklinA) [youtube icon](https://www.youtube.com/channel/UC_HnJQ4S_USSxBJkauXwu6A) [**Contact Our Team **](https://insurance.concklin.com/compare-quotes#CLQuoteRequest) **[630-268-1600](tel:+16302681600)** **[Contact Our Team](https://insurance.concklin.com/compare-quotes#CLQuoteRequest)** ****[630-268-1600](tel:+16302681600)**** [![Concklin Logo-1](https://blog.concklin.com/hs-fs/hubfs/Concklin%20Logo-1.png?width=314&height=100&name=Concklin%20Logo-1.png)](https://insurance.concklin.com/) - About Us Show submenu for About Us - [Our Story](https://insurance.concklin.com/about-us-who-we-are) - [Our Team](https://insurance.concklin.com/meet-our-team) - [Contact Us](https://insurance.concklin.com/contact-us) - [Markets & Industries](https://insurance.concklin.com/industry-specific-insurance-programs) - [Business Insurance](https://insurance.concklin.com/business-insurance-coverage) - [Personal Insurance](https://insurance.concklin.com/personal-lines-insurance-coverage) - Life & Health Insurance Show submenu for Life & Health Insurance - [Life Insurance](https://insurance.concklin.com/life-insurance) - [Health Insurance](https://insurance.concklin.com/health-insurance) - Resources Show submenu for Resources - [Claims Resources](https://insurance.concklin.com/claims-resources) - [Cyber Resources](https://insurance.concklin.com/cyber-insurance-resources) - [Blog](https://blog.concklin.com/) - [Video Library](https://blog.concklin.com/video-library) - [Client Portal](https://insurance.concklin.com/client-portal) - [Make A Payment](https://concklin.appliedpay.com/) Open main navigation Close main navigation - About Us Show submenu for About Us - [Our Story](https://insurance.concklin.com/about-us-who-we-are) - [Our Team](https://insurance.concklin.com/meet-our-team) - [Contact Us](https://insurance.concklin.com/contact-us) - [Markets & Industries](https://insurance.concklin.com/industry-specific-insurance-programs) - [Business Insurance](https://insurance.concklin.com/business-insurance-coverage) - [Personal Insurance](https://insurance.concklin.com/personal-lines-insurance-coverage) - Life & Health Insurance Show submenu for Life & Health Insurance - [Life Insurance](https://insurance.concklin.com/life-insurance) - [Health Insurance](https://insurance.concklin.com/health-insurance) - Resources Show submenu for Resources - [Claims Resources](https://insurance.concklin.com/claims-resources) - [Cyber Resources](https://insurance.concklin.com/cyber-insurance-resources) - [Blog](https://blog.concklin.com/) - [Video Library](https://blog.concklin.com/video-library) - [Client Portal](https://insurance.concklin.com/client-portal) - [Make A Payment](https://concklin.appliedpay.com/) --- May 20, 2019, 12:00:00 AM # Disability Insurance Awareness ![Picture of Amanda Yaniz](https://blog.concklin.com/hs-fs/hubfs/Amanda%20Yaniz.jpeg?width=50&name=Amanda%20Yaniz.jpeg) [Amanda Yaniz](https://blog.concklin.com/author/amanda-yaniz) Share: [facebook-f icon](http://www.facebook.com/share.php?u=https://blog.concklin.com/blog/disability-insurance-awareness.html) [linkedin-in icon](http://www.linkedin.com/shareArticle?mini=true&url=https://blog.concklin.com/blog/disability-insurance-awareness.html) [Twitter icon](https://twitter.com/intent/tweet?url=https://blog.concklin.com/blog/disability-insurance-awareness.html) [envelope icon](mailto:?body=https://blog.concklin.com/blog/disability-insurance-awareness.html) ## Do you have a plan for the unexpected? According to [disabilitycanhappen.org](https://disabilitycanhappen.org/overview/), it is estimated that more than 25% of individuals in their 20s today will experience a disability before they reach retirement age. Surprisingly, accidents are not usually the main cause. Instead, back injuries, cancer, heart disease, and other illnesses are responsible for the majority of long-term absences from work. Despite this alarming statistic, a significant number of individuals are unprepared. ## It’s time for a Reality Check Up Most disabilities are not caused by work related accidents and therefore are not covered by Worker’s Compensation. Musculoskeletal injuries, or long-term illnesses including cancer and heart disease are responsible for most long-term absences from work. Practicing safe lifting techniques, eating a clean diet and exercising regularly can reduce your chances of disability, but there is no guaranteed prevention. ## Disability Insurance is not the same as health insurance. Health insurance helps cover your medical expenses, while disability insurance replaces a portion of your income when you are unable to work due to a disability. Imagine hurting your back and not being able to get out of bed for a month. Your health insurance has helped to pay for your doctor visits and treatments, but you’ve run out of sick days at work. You still need to pay your mortgage, utility bills, and car payments. Do you have enough savings to cover your expenses? What if your recovery takes 2 months, or 3 months? What if you are no longer physically able to do your job for years to come? It can be a little overwhelming to wrap your mind around the prospect of disability. Talking to your Trusted Insurance Advisor can be a great benefit to understanding your risk, and what you can do to prepare for the unexpected. 1https://disabilitycanhappen.org/ 22005 Harvard Study [Health Insurance](https://blog.concklin.com/tag/health-insurance), [Business Insurance](https://blog.concklin.com/tag/business-insurance) ## Related posts [![Business woman working from home, using laptop, along with pet cat](https://blog.concklin.com/hs-fs/hubfs/business-woman-working-from-home-using-laptop-al-2023-11-27-05-09-37-utc-1.jpeg?height=200&name=business-woman-working-from-home-using-laptop-al-2023-11-27-05-09-37-utc-1.jpeg)](https://blog.concklin.com/is-your-home-based-business-covered-personal-vs.-business-insurance) [Homeowners](https://blog.concklin.com/tag/homeowners), [Personal Lines Insurance](https://blog.concklin.com/tag/personal-lines-insurance), [Business Insurance](https://blog.concklin.com/tag/business-insurance), [Insurance 101](https://blog.concklin.com/tag/insurance-101) ## [Is Your Home-Based Business Covered? Personal vs. Business Insurance](https://blog.concklin.com/is-your-home-based-business-covered-personal-vs.-business-insurance) ![Picture of Amanda Yaniz](https://blog.concklin.com/hs-fs/hubfs/Amanda%20Yaniz.jpeg?width=50&name=Amanda%20Yaniz.jpeg) [Amanda Yaniz](https://blog.concklin.com/author/amanda-yaniz) Sep 4, 2024, 12:00:00 AM Running a business from the comfort of your home offers many benefits—flexibility, convenience, and... [Read more](https://blog.concklin.com/is-your-home-based-business-covered-personal-vs.-business-insurance) [![Confused man looks at paperwork while scratching his head](https://blog.concklin.com/hs-fs/hubfs/Imported_Blog_Media/confused-mixed-race-man-reading-papers-2021-09-24-03-11-16-utc.jpg?height=200&name=confused-mixed-race-man-reading-papers-2021-09-24-03-11-16-utc.jpg)](https://blog.concklin.com/blog/difference-between-nonrenewal-and-cancellation.html) [Personal Lines Insurance](https://blog.concklin.com/tag/personal-lines-insurance), [Business Insurance](https://blog.concklin.com/tag/business-insurance) ## [My insurance company non-renewed my policy – what does this mean?](https://blog.concklin.com/blog/difference-between-nonrenewal-and-cancellation.html) ![Picture of Amanda Yaniz](https://blog.concklin.com/hs-fs/hubfs/Amanda%20Yaniz.jpeg?width=50&name=Amanda%20Yaniz.jpeg) [Amanda Yaniz](https://blog.concklin.com/author/amanda-yaniz) Sep 6, 2022, 12:00:00 AM Either you or your insurance company can decide not to renew your policy when it expires. This can... [Read more](https://blog.concklin.com/blog/difference-between-nonrenewal-and-cancellation.html) [![Mind the Gap floor sign at a subway station](https://blog.concklin.com/hs-fs/hubfs/Imported_Blog_Media/mind_the_gap-1.jpg?height=200&name=mind_the_gap-1.jpg)](https://blog.concklin.com/blog/mind-the-gap-will-you-be-left-holding-the-bill-after-a-car-accident.html) [Auto Insurance](https://blog.concklin.com/tag/auto-insurance), [Personal Lines Insurance](https://blog.concklin.com/tag/personal-lines-insurance) ## [Mind the Gap – Will you be left holding the bill after a car accident?](https://blog.concklin.com/blog/mind-the-gap-will-you-be-left-holding-the-bill-after-a-car-accident.html) ![Picture of Amanda Yaniz](https://blog.concklin.com/hs-fs/hubfs/Amanda%20Yaniz.jpeg?width=50&name=Amanda%20Yaniz.jpeg) [Amanda Yaniz](https://blog.concklin.com/author/amanda-yaniz) Jul 19, 2021, 12:00:00 AM This one endorsement could make up the difference. If you’ve ever traveled via London’s iconic... 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