Protect Yourself: Plan in Case of Disability

No one expects a disability to happen to them, but that doesn't mean you shouldn't practice planning and prevention.
(NewsUSA) - Monica, a 37-year-old professional and mother, shattered her elbow when she slipped on her porch. In most cases, the story would have ended there, but Monica wasn't that lucky. After her elbow surgery, Monica developed a condition called osteonecrosis, which caused her bones to crumble.

Once a successful worker in the financial sector, Monica became confined to a wheelchair and required a hired caretaker to bathe, eat and dress. Monica was awarded Social Security Disability Benefits (SSDI), but it took two-and-a-half years to start seeing payments -- years in which Monica couldn't work and couldn't afford rent. Monica used up her retirement savings to pay for her care. By the time she received SSDI, it was too late to save her finances.

Unfortunately, Monica is not alone in neglecting to plan for disability. According to a 2009 Harvard study, over half of all personal bankruptcies are caused by illness or injury.Yet, many people fail to consider that disability can happen to them. According to the Council for Disability Awareness (CDA), 60 percent of people feel that their chances of becoming disabled are 2 percent or less during their working years. The real number, according to the Social Security Administration, is 30 percent.

But you can take steps to protect yourself. First, visit www.whatsmypdq.com to learn your Personal Disability Quotient (PDQ), or your chance of an injury or illness that will keep you out of the workplace for an extended amount of time.

Then, evaluate your lifestyle and see if there are any changes you can make to reduce your chances of disability. The CDA recommends cultivating healthy behaviors, such as eating well and exercising to maintain a healthy weight. Regular check-ups and cancer screenings can catch problems before they lead to disability. Simply staying aware and using activity-appropriate safety equipment, like seat belts, safety goggles and helmets, can help you avoid disabling injuries.

"Through planning and prevention, people can minimize their chances of becoming disabled -- or at least minimize the financial impact a disability can have on their income and lifestyle," said Barry Lundquist, president of the CDA. "For most people, their income is by far their most valuable asset, and their ability to earn that income cannot be taken for granted."

To learn more, join the discussion at www.twitter.com/the_CDA or explore the tools and resources available at www.disabilitycanhappen.org.

Salt and Your Health

Lowering your family's salt consumption will decrease the risk of developing high blood pressure.
(NewsUSA) - Salt is essential to keeping your body's fluids in balance. But too much salt can lead to a host of health problems.

The chemical name for dietary salt, or table salt, is sodium chloride. Most doctors focus on the sodium part.

"The best-known effect of sodium on health is the relationship between sodium and blood pressure," explains Dr. Catherine Loria of the National Institutes of Health.

Dozens of studies, in both animals and people, have shown that increasing salt intake can raise blood pressure. And high blood pressure has been linked to heart disease, stroke, kidney failure and other health problems.

About one in three adults nationwide has high blood pressure. Another third have blood pressure numbers high enough to risk developing high blood pressure. That's why, Loria says, "it's really important for the majority of the population to reduce their blood pressure."

Experts recommend that people take in less than 2,400 milligrams (mg) of sodium a day. People with high blood pressure should shoot for 1,500 mg or less. But right now, the average man in the United States takes in over 4,000 mg of salt per day, and the average woman over 2,800 mg.

Would you miss the taste? "Several studies have shown that as you gradually reduce sodium intake, you lessen your desire for salty food," Loria says. In the U.K., where salt consumption has dropped by 10 percent over the past five years, surveys found that most people didn't notice any difference in the taste of their food.

Most of the salt in the average American's diet comes in prepared and processed foods, including restaurant food, cold cuts and canned foods. Surprisingly, over 20 percent comes from grain products, such as breads, cereals, crackers and chips.

"I think the best guidance we have is for people to pay attention to nutrition facts on the labels," Loria says. Try to choose foods that list less than 5 percent of the daily value of sodium per serving on the nutrition facts label.

Even small reductions in salt can help your blood pressure. If you can't find a low-salt alternative to a particular food, try something that's lower than what you usually buy.

Why not start now? Make small changes at first, and then keep working to gradually lower your family's salt intake.