Many people are currently motivated and eager to revamp their physical fitness routine, especially after watching a few hours of the recent Winter Olympics, or seeing their favorite athletes compete in local events. Reaching an optimum level of physical fitness is a great goal; however, those who haven’t exercised consistently since the day before Thanksgiving last year should ease into a new exercise routine. Doing so will reduce the chances of having an accident or injury that leads to a short-term or long-term disability and essentially turns their workout dreams into a living nightmare.
No one anticipates slipping, straining or falling during a regular workout, but injuries and disabling accidents occur all the time. The National Safety Council’s (NSC) Injury Facts says falls are one of the leading causes of unintentional injuries in the United States and account for almost 8.9 million visits to the emergency room each year. And, the Life and Health Insurance Foundation for Education reports nearly one in three women and one in four men can expect to suffer a disability that keeps them out of work for 90 days or longer at some point during their working years.
When people have accidents or injure themselves while they’re working out, not only are they affected physically, but it can also impact them emotionally and financially. However, having disability insurance can put a person’s mind at ease during these unexpected events because it helps replace a person’s income when they can’t work due to a disabling injury or illness.
“We understand the impact an accident or injury has on a person,” said Jeff Spahr, president of WellPoint’s Life and Disability companies. “So, when it comes to providing disability benefits, we make sure we offer programs that provide more than a benefits check. We help people move beyond a disability by providing resources and programs that also help them improve their physical and emotional well-being.”As people get ready to ramp-up their winter exercise routines, Spahr offers a few tips that can help people avoid experiencing a disabling accident or injury this season.