Long-term disability insurance (LTD) is a critical but often misunderstood aspect of financial planning. It…
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 FICPA, you have access to unique member pricing on Long-Term Disability insurance. Receive an instant quote, or apply, to start receiving peace of mind today.