---
title: 5 Common Sense Ways to Reduce Disability Insurance Claims
description: Handy tips to reduce the cost of disability insurance for your business, or to improve your personal quality of life. Reading, Philadelphia & beyond.
image: https://www.aigltd.com/hs-fs/file-366239192-jpg/images/reduce-risk-of-disability-insurance-claims-275.jpg
---

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# Insurance Savings and News You Can Use Join the Conversation!

## 5 Common Sense Ways to Reduce Disability Insurance Claims

Posted by [David Ross](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/author/david-ross) on Sat, Nov 02, 2013

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## ![Reduce the risk of disability insurance claims to your business by following these simple tips. Serving the disability insurance needs of businesses and individuals in Reading, PA, Berks County, Philadelphia, Lancaster, York, Allentown, Erie, Pittsburgh, Pennsylvania and beyond.](https://www.aigltd.com/hs-fs/file-366239192-jpg/images/reduce-risk-of-disability-insurance-claims-275.jpg)**Dirty Harry Was Right About Disability Insurance**

Clint Eastwood's Dirty Harry character could have been speaking about disability insurance when he said those famous words, "Do you feel lucky, punk? Well, do ya'?". Whether you are an employer looking to reduce the cost of disability insurance claims, or an individual looking for a better quality of life, it pays to work on reducing your exposure to the risk of being disabled.

The thing about the sage advice you are about to receive is that your grandmother or anyone with a gradeschool education probably could have figured this out. Nothing against grandmothers (they tend to be very wise after all), but this stuff isn't rocket science!

Let's take a look at the things employers should consider when developing employee incentives to reduce liability insurance claims, which are the same things individuals can do to become healthier and safer.

## **#1. Lose Weight. Do it Now. **

We may have started with the toughest item first, but getting down to a healthy weight is key to avoiding disabling diseases and accidents. Things like blood pressure, diabetes, heart failure, and the risk of falling increase dramatically as our weight gets out of control. Hey, you've been wanting to do this, right? Now you have some additional motivation. Think Nike: just do it (diet and exercise, that is).

## **#2. Throw Out the Cigarettes. And Cigars. And oh Yeah, the Pipe Too. **

Do you like coughing, wheezing, and shortness of breath? Does anyone really think it's worth polluting your lungs and bloodstream by smoking? According to the [National Heart, Lung, and Blood Institute](http://www.nhlbi.nih.gov/health/health-topics/topics/smo/risks.html), the risks of smoking include:

- Thicker blood that carries less oxygen
- Increased blood pressure and heart rate (can you say "heart attack"?)
- Lowers good cholesterol, increases bad cholesterol
- Damages blood vessel walls (hey, they only carry the essence of life!)
- Increased inflammation leading to plaque buildup in your arteries (so you can help fund the drug companies with all that extra medicine you'll need!)

## **#3. Get Regular Checkups and Screenings.**

Even if your fear of getting a full physical exam rivals your fear of death or cliff diving, you really must get a checkup at regular intervals to do your part to avoid a disability claim. Unlike fine wine, physical problems and diseases do not get better with time. Get your checkup and you have a good chance of nipping that problem in the bud. If you have a family history of cancer or other diseases, get a screening as often as your doctor recommends.

## **#4. Drink Responsibly or Not at All. Wear Seatbelts.**

There are plenty of articles written about the benefits of red wine and other types of alcohol when consumed in moderation. That goes out the window when drinking becomes excessive. WebMD lists [12 risks of chronic heavy drinking](http://www.webmd.com/mental-health/alcohol-abuse/features/12-health-risks-of-chronic-heavy-drinking). It's not pretty, and it's not worth it. And when you drink excessively and drive you can go beyond disability insurance claims all the way to life insurance claims.

## **#5. Take Care of Yourself. Avoid the Key Causes of Disability Insurance Claims.**

WebMD lists arthritis, back pain, heart disease, cancer, depression, and diabetes as [leading causes of disability insurance claims](http://www.webmd.com/healthy-aging/features/top-causes-disability). Work on anything that reduces your risk of these, and you are moving in the right direction. In other words, take care of yourself.

### **Sage Advice**

Whether you are a business owner or manager looking to reduce your company's exposure to disability insurance claims, or an individual looking to avoid using your disability insurance, following these common sense tips makes for a better life and a more productive company.

### **Get the Right Disability Insurance Protection**

Need help in selecting the right disability insurance to reduce costs while improving protection? We're an independent agency who can select the best insurance solution for your unique needs. Our independence allows us to research multiple insurance companies to find the best insurance policy. We work for you, not for any insurance company.

***[Contact us](https://www.aigltd.com/contact/)*** today to learn more.

[![Affordable disability insurance for business and individuals. We're located near Reading, PA in Berks County, and serve the surrounding areas of Philadelphia, Lancaster, Harrisburg, York, State College, Allentown, Pittsburgh, and Erie, Pennsylvania and beyond. Contact us today.](https://www.aigltd.com/hs-fs/file-16764558-jpg/images/contact-us-button-e-250.jpg)](https://www.aigltd.com/contact/)

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