One of the most common misconceptions people have is that they would need to be a parapalegic in order to be disabled. Many people have the "If I can think, see and type on my computer than I can work" notion about disability insurance. In reality only 13% of disabilities are do to injury (National Institute on Disability and Rehabilitation Research, 1992), illness is what prevents you from working in your occupation. In case you didn't already realize it, illnesses don't care what you do for a living, and many times will disable people who are computer consultants, physicians or plumbers in the same way. We encourage you to request a disability insurance proposal now to begin the process of purchasing disability insurance so that none of the impairments listed below will ever prevent you from bringing home a paycheck.

The above chart shows the statistics on disability insurance claims. As a consumer you should always make sure that the policy you choose protects you from some of the leading causes of claims, especially the psychiatric and emotional disorders. 12.7% of claims come from this area, and almost all of our competitors are now limiting benefits paid for mental and nervous disabilities to only 2 years.

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I have yet to meet someone without a history of mental health issues who is concerned about this area of a policy. Nobody thinks they will ever develope any mental or nervous problems that will disable them. That is not how most claims happen, you don't wake up depressed one day. People develope these problems after watching a wife or child go through chemotherapy, struggling with a serious problem at work or home, or after some other significant life event. If you were to limit 12.7% of possible claims by going with a company who capped benefits to two years here, you are buying less coverage than Guardian offers in every state except for Florida.

Our site offers some additional Disability Insurance Statistics as well.