HealthyLife Articles

Tag: disability

  • Disability Insurance

    Medical Care

    Image of nurse with wheelchair bound women.

    An accident or illness may make it impossible to work. This may mean a drastic drop in income. Disability insurance benefits replace part of the wages lost.

    If you’re considering buying a disability insurance policy, ask the following:

    *  What percentage of your pre-tax salary is paid out? (50 to 60% is average.) How are benefits paid out? Are payments the same or greater in the first few months?

    *  Is there a guarantee that the policy can be renewed?

    *  How long will benefits be paid? Months, years, a lifetime?

    *  Are pre-existing or chronic conditions included?

    *  Can you get disability insurance from your place of work?* How much will this cost you? Group policies may be more flexible on chronic conditions.

    * Veterans can get information on disability compensation from 1-800-827-1000 andwww.va.gov.

    Page from the Health at Home Lifetime book by the American Institute for Preventive Medicine. www.HealthyLife.com. All rights reserved.

    © American Institute for Preventive Medicine

  • Injury And Disability

    Healthylife® Weigh

    Part 5

    Doctor helping elderly man with fitness.

    Talk to your doctor or physical therapist about exercises you can do at home, at a gym, or in a pool. While there may be activities you can’t do, there are probably many that you can do. Plus, there are many exercises that can be adapted to suit your individual needs and abilities.

    *  Focus on what you CAN do.

    *  Choose low-impact exercises that don’t make an injury worse.

    *  Find a supportive buddy to help motivate you or assist you with exercises.

    *  Use flotation devices in a pool for support.

    *  Try new things as you lose weight. You may find some activities easier when you are carrying less weight on your joints.

    © American Institute for Preventive Medicine