Many professionals and business people think they’re “exempt” from the possibility of becoming disabled. The following list of actual claimants is taken from a major insurance carrier’s disability files. What could prevent you from working?

Cause of Disability Age Occupation
Acute Myocardial Infarction 42 President-Executive
Cervical and Lumbar Back Sprain 34 Advertising Consultant
Anxiety Disorder, Depression 30 CPA
Neurotic Depression 35 Insurance Broker
Severe Headaches, Anxiety 42 CPA
Coronary Artery Disease 62 Executive – Vice President
Degenerative Disc Disease 54 Veterinarian
Uncontrolled Diabetes 31 Attorney
Multiple Trauma-Accident 38 President – Construction Company
Cancer of Lung 48 General Sales Manager
Bipolar Disorder, Manic Depression 38 Director of Advertising
Acute Myocardial Infarction, Acute Encephalopathy 51 Attorney
Coronary Artery Disease, Acute Myocardial Infarction, Angina 55 Accountant
Cerebral Aneurysm 55 Psychiatrist
2 Lumbar Laminectomies 42 ER Physician
Severe Coronary Artery Disease 58 Ophthalmologist
Degenerative Disc Disease 59 Manufacturer’s Representative
Carcinoma Lung 60 Orthopedic Surgeon
Lou Gehrig’s Disease (ALS) 36 Dentist
Lumbar Nerve Root Irritation 55 Orthopedic Surgeon
Alzheimer’s Disease 58 Pathologist
Brain Tumor 48 Medical Doctor
Multiple Sclerosis 58 Vice President
Left Brachial Plexus Compression Syndrome 34 Dentist
Parkinson’s Disease 62 CPA
Acute Myocardial Infarction 45 Owner / Manager
Myocardial Infarction, Coronary Artery Disease 62 OB/Gyn
Pancreatitis, Neuropathy, Diabetes, Angina 52 Pediatrician
Fracture, Elbow-Radial Head and Neck 55 General Surgeon
Parkinson’s Disease 59 Vascular Surgeon
Multiple Sclerosis 37 ER Physician
Peripheral Myelopathy 30 Dentist
Arteriosclerotic Heart Disease, Angina 44 Thoracic Surgeon
Malignant Fibrous Histiocytoma 48 Plastic Surgeon
Crohn’s Disease 43 Surgeon
Obstructed Right Lateral Ventricle, Seizures 31 Orthopedic Surgeon
Post Traumatic Stress Disorder, Panic Disorder 54 Neurosurgeon
Acute Myocardial Infarction 58 Radiologist
Angina Pectoris, Coronary Artery Disease 56 Psychiatrist
Multiple Trauma, Skull Fracture, Memory Loss 55 Trial Attorney
Multiple Sclerosis 41 OB/Gyn
Lumbar Disc Disease Right Laminectomy 51 Doctor of Osteopathic Medicine
Neuropathy, Collagen Disease, Chronic Pain Syndrome 47 Doctor of Osteopathic Medicine
Thoracic Outlet Syndrome 50 V.P. Finances
Diabetic Neuropathy, Lower Extremities 46 Neurologist
Degenerative Arthritis Both Hands 63 Surgeon
Degenerative Disc Disease 58 Orthopedic Surgeon
Severe Angina, Depression 55 General Practice