Your odds of becoming disabled before you retire are about one in three. That might be higher than you expect. You might also be surprised by the most likely causes of disability.
"People tend to think about disability in terms of catastrophic events, like a terrible car accident that leaves you paralyzed or in a nursing home," says Richard Frank, PhD, deputy assistant secretary for disability, aging, and long-term care policy at the Department of Health and Human Services in Washington. "They don't think about disability caused by things that are less dramatic and much more common."
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