Young male professional dealing with work stress while working on laptop in office

How Chronic Stress Can Lead to a Long-Term Disability

According to Smithsonian, Gallup’s 2019 Global Emotions Report illustrated that “More than half of United States respondents—around 55 percent—reported feelings of high stress the day prior to being polled…while 45 percent said they felt worried ‘a lot of the day’”. With the global stress levels at approximately 35%, this left the United States in a four-way tie with Albania, Iran, and Sri Lanka for the fourth-most stressed country in the world.

And while a certain amount of stress is normal, chronic stress can cause more than just a few restless nights.

What stresses you out?

In November of 2017, the American Psychological Association released the findings of their annual Stress in America survey and found that roughly 61% of Americans feel stressed about their work lives. But some jobs can be more stressful than others.

It’s also worth noting that some of these types of jobs are known to attract specific personality traits. Occupations in the legal and medical field rank as some of the most stressful jobs in the country, which is something both the ABA and AMA are aware of.

In recent years, both associations have taken steps to improve access to mental health services for their members, and to destigmatize mental health conditions.

The Effects of Stress on Mental Health

According to Psychology Today, “Some researchers have suggested that exposure to a moderate level of stress that you can master, can actually make you stronger and better able to manage stress, just like a vaccine, which contains a tiny amount of the bug, can immunize you against getting the disease.”

While this approach may work for some, no two people are the same. Everyone has their own unique body chemistry and may respond to stress stimuli in different ways. In short, what stresses one person out could have little to no effect on someone else.

Knowing When to Get Help

Chronic stress can often lead to mental health issues such as depression and anxiety.

If you’re reluctant to seek professional treatment for these issues, there are several things you can try to help overcome the symptoms. One of those ways is by carefully examining your diet: cut down on sugar, limit highly processed foods, and add fruits, veggies, and whole grains to your daily intake. Exercise is another way to boost serotonin levels and keep stress levels down.

However, if you’ve been experiencing any lingering or worsening depression and anxiety symptoms for two weeks or more, it may be best to visit your doctor.

If left untreated, it’s possible for your symptoms to become so severe that you find yourself unable to live your life as normal. They can actually develop into a long-term disability — and prevent you from working.

Protecting Your Income

In many cases, mental health problems are not something that can be predicted. As is the case with most disabilities, there is only so much a person can do to protect themselves. One of the best ways to do this is to protect your income.

If you are experiencing mental health issues and are forced to take a leave of absence from work, the last thing you want to do is worry about money. Since most of your expenses will continue during a time of disability, it is vitally important that you have a plan that covers those commitments.

As a member of the Washington State Bar Association, you have access to unique member pricing on Long-Term Disability insurance. To learn more, receive an instant quote or to apply, please visit us at wsba.memberbenefits.com/long-term-disability/ and receive peace of mind today.

medical practitioner explaining disability insurance to patient

Debunking the Most Common Long-Term Disability Insurance Myths

When was the last time you thought about what would happen to your family if you suddenly couldn’t work? If you have to think about it, then chances are, it’s been a while.

The simple truth is that one out of every four workers will be diagnosed with a long-term disability before they reach the age of retirement. But despite this startling statistic, many still feel like long-term disability insurance is a coverage they can live without.

Myth #1:  “I have enough protection through Workers’ Comp and Social Security.”

According to the Council for Disability Awareness, only approximately five percent of accidents or illnesses are workplace-related meaning that the other ninety-five percent will not be covered under workers’ comp.

When seeking to collect social security disability benefits, you may be in for a wait of anywhere from three to five months for an initial decision to be made regarding your case. If, like 66 percent of applicants, your application is denied, you have the option to appeal, but in 2017 the backlog of appeals cases hit over one million with an average processing time of over eighteen months, according to research conducted by Allsup.

Can your family really afford to wait for benefits when you need help?

Myth #2:  “I’ll still have to fight for a payout in the event of a long-term disability diagnosis.”

We’ve all heard stories about people struggling to receive payout benefits from their insurance company. However, not all of these cases are related to long-term disability insurance and those that are, are very rare.

Upon enrolling, all of your benefits and circumstances surrounding a potential payout are laid out in front of you. If you aren’t going to receive the amount of coverage you are looking for, then it may be worth looking into other options.

Myth #3:  “I can’t receive long-term disability insurance because I’m a government employee.”

If you are a government employee enrolled in a Federal Employees Retirement System (FERS) plan, you are still able to apply for long-term disability benefits. According to the Council for Disability Awareness, “While you can buy private supplemental long-term disability insurance in addition to having FERS benefits, you may not get as much coverage as you expected.”

Getting the coverage you can count on.

Ready to make sure your family’s financial future is secured in the event you are diagnosed with a long-term disability? To learn more about long-term disability insurance, please visit https://wsba.memberbenefits.com/long-term-disability/.

What Every Doctor Needs to Know About Disability Insurance

Generally speaking, doctors tend to be proactive when it comes to planning for their financial future and retirement. Unfortunately, one aspect of financial planning that even the most responsible of doctors can overlook is that of purchasing Long-Term Disability Insurance. But what would you do if you were no longer able to feasibly practice law because you had cancer, were confined to a wheelchair, had a stroke or were unable to see? Would you and your family be able to maintain the same quality of life financially? If you’re like most doctors, then the answer is a resounding “no.”

Read More »

Meeting Financial Obligations After Disability: What’s Your Plan?

Approximately 37 million Americans are considered disabled; of those 37 million people, more than 50% are still in their working years (age 18-64), according to the Council for Disability Awareness. Unfortunately, many workers never even consider the fact that they could face a temporary or permanent disability, let alone plan for such a situation. What kind of a situation would you be in if you were to become disabled and unable to work?

Read More »