You, Disabled? What Are the Chances?
Calculate your personal disability quotient.
Statistics show that in one in four young people will experience a disability before retirement.1 But what is your personal risk?
The Council for Disability Awareness developed a simple way to calculate your odds of an injury or illness that could force you to become disabled for weeks, months, or even years. It’s called your personal disability quotient (PDQ).
PDQ can help you assess not only your risk for disability, but also the estimated length of time a disability could last. This information can be helpful evaluating your lifestyle choices and personal behaviors that you have the ability to change.
To calculate your PDQ, you’ll need to answer six simple questions about your lifestyle and your health.
You can take steps to ensure that you’ll be protected financially in the event you do become disabled – whether by illness or accident. If you or others depend on your ability to earn an income, and you haven’t looked into Long Term Disability insurance, you can learn more here.
A disability can happen to anyone, at any time. So regardless of your PDQ, take this opportunity to speak with a licensed advisor who can help you assess your risk and design a policy that meets your needs.