Arizona Disability Insurance
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In Arizona approximately 754,000 individuals suffer from a disability of one kind or another. This works out to be an estimated 14.5 percent of the overall population. Of these people, 121,000 (or 2.3 percent) have difficulties performing regular day-to-day activities. This makes Arizona disability insurance so very important for everyone regardless of the type of lifestyle they subscribe to. Arizona disability insurance is particularly essential for those in the working population, which means people approximately from the age of 18 to 65. It is always best to buy Arizona disability insurance as early in life as possible as it becomes more difficult to get insured as you get older.
When it comes to Arizona disability insurance it is important to consider the statistics. One out of every 88 homes is likely to catch fire in the course of a year and one out of every 70 people are likely to be involved in a serious motor vehicle accident that could leave them disabled in the short term or in the long term. One out of every eight people will suffer a disability in any calendar year and one out of every 106 people will die this year from any number of cases.
To consider the necessity of Arizona disability insurance further we must look at more statistics how disabilities can change lives. Before he reaches retirement age, a 30 year old man has a one in five chance of falling victim to a long term disability. A woman of the same age has an even higher chance of suffering a long term disability- she has a one in three chance. An estimated 50 percent of individuals who develop disabilities that remain longer than a six month period continue to be disabled after they have passed the five year mark.
The most common causes of disabilities are heart disease and back problems related to injuries. Approximately one in seven workers will find themselves disabled for a period of five years and some even more during their working years. Even more distressing and an excellent incentive for purchasing Arizona disability insurance is that on an annual basis more people lose their homes due to personal bankruptcy as a result of a disability as opposed to because of death or fire. These are all good arguments for obtaining Arizona disability insurance.
The chance that any given person could become disabled for a period in excess of three months or more is much greater than the chance that a person could die at a young age. One of the reasons this is believed to be the case is that modern medicine has made many strides and today can treat more sicknesses and injuries than ever before. In other words, what once was tantamount to a death sentence is now treatable. While this is certainly good news for everyone, it also means that every person needs to work harder to protect their hard earned money with adequate Arizona disability insurance.
Statistics are one thing but you should never let them frighten you or paralyze the way you live. While you may never fall victim to a disability of any kind remember that diseases such as cancer, diabetes and heart disease happen all of the time to people all over the world.
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