WHAT'S YOUR PDQ?
FIND OUT NOW.
Everyone should know their chances of not being able to earn an income. That's what your Personal Disability Quotient (PDQ) calculates—your own chance of being injured or becoming ill that could force you to miss work for an extended period of time.
Why is this number so important? Think about it. Your ability to earn an income is your most valuable resource. It's what enables you to fund almost everything else that's important to you . . . your home, your family's lifestyle, your children's education, your retirement.
Calculate your own PDQ now—and learn what's really at stake. Then let us offer you some tips on what you can do to prevent disability from taking a financial toll on your family.
Get regular checkups and screenings.
Preventing illness is easier than recovering from it. Schedule annual checkups with your doctor. And make sure you know what types of screenings you should get at what ages—and how often.« View recommended health checkups and screenings.
Take care of your emotional health as well.
Your mental well-being directly affects your likelihood of injury and illness. Keep in touch with friends and family. Stay active. Do things that make you happy. Try to maintain a positive attitude toward life.« Get tips on maintaining your mental health.
Exercise regularly and eat right.
Not only does exercise keep you trim, it keeps you healthy. In fact, it can help prevent heart disease, cancer, and high blood pressure.« Get exercise tips from the American Heart Association.
« Find out what foods to eat (and avoid).
Fewer vices, lower chances of disability.
If you smoke, the most important step you can take to improve your health is to quit. Smoking is linked to serious diseases like cancer, heart disease and stroke.« Get tips on how to quit smoking.
Heavy drinking can also lead to liver damage and other serious health issues. Know the line between "just enough" and "too much."
Prevent as many accidents as possible.
Being safe is no accident. Wear your seatbelt. Drive defensively. Use safety equipment at work and play.« Learn more from the National Safety Council.
Prevent the leading cause of disability.
Whatever you do, watch your back. Back injuries and arthritis are among the leading causes of disability.« Get tips on sound lifting techniques.
Know how much income you'd need to replace if you became disabled.
When was the last time you added up how much you really need to live on each month? Do a quick budget, just so you know how much you'd need from other sources if you became unable to work.« Calculate your monthly expenses.
« Click here to download financial planning worksheet.
Learn what your benefits would cover.
Your income is not the only thing that can disappear during a disability. Only one out of every three employers offer disability benefits, which would help provide an income if you become disabled. Make sure you know your workplace policy—and whether or not you're eligible for any disability benefits.« Link to Social Security Disability Benefits Planner.
« Link to your State's Workers' Compensation information.
« Click here to download a benefits inventory.
Plan ahead for ongoing healthcare coverage.
If you couldn't work, how would you pay for your health insurance? Maybe COBRA could help. Find out what COBRA is, how much it may cost, and how long it may extend your employer's health benefits.« Link to info on COBRA health insurance.
Think now about what resources you could tap later.
If your paychecks stopped due to a disability, where would your income come from? Your savings? A loan from your family? A second job? Advances from credit cards? Equity from a second mortgage? Now is the time to think about income resources that could be available to you.« Click here for financial education resources.
« Click here for 5 questions every worker should ask.
REDUCE YOUR PDQ.
PROTECT YOUR EIQ.
Now that you know your PDQ and EIQ, it's critical that you consider how to minimize your chances of becoming disabled—or at least minimize the financial impact a disability can have on your lifetime income.
Click on the boxes above for helpful tips and links to valuable interactive resources.