With rising medical costs and a lack of emergency savings, many Americans are at risk of financial difficulty if they miss work due to illness, injury, or pregnancy. This is why it’s more important than ever to prepare for the unexpected.
One way to prevent disabilities caused by illness is through early diagnosis and treatment.1 But there are also some things you can do to help minimize your chances of developing an illness that leads to a disability altogether.
Exercise daily. Most experts agree that just 30 minutes of exercise can reduce the risk of heart attack, diabetes, and stroke.2
Eat right. For example, foods such as blueberries and cinnamon may have cancer-preventive properties, while avocados and wild-caught salmon are heart-healthy superfoods.3
Get regular check-ups. Checking in with your doctor on a regular basis gives you the best chance of early detection.4
Early diagnosis and treatment may help you weather the storm physically, while long-term disability (LTD) insurance can help you get through the financial impact of a disability. LTD insurance pays you a monthly benefit that you can use to help pay your expenses if you become disabled and cannot work to earn a living. Many LTD plans also offer return-to-work features that help you ease back into the workplace when you’re ready.
A Benefit of Your Membership
As a valuable benefit of your membership, the Texas Bar Private Insurance Exchange offers affordable LTD coverage.
If you are interested in learning more about this product, please feel free to contact us with any questions you may have. Our benefits counselors are standing by to help guide you to a plan that best suits your unique needs.
North Carolina Residents: THIS IS NOT A MEDICARE SUPPLEMENT PLAN. If you are eligible for Medicare, review the Guide to Health Insurance for People with Medicare, which is available from the company.
This policy provides disability income insurance only. It does NOT provide basic hospital, basic medical, or major medical insurance as defined by the New York Department of Financial Services.
Coverage under the Long Term Disability insurance plan is issued by The Prudential Insurance Company of America, Newark, NJ. CA COA #1179, NAIC #68241.