Continuing a trend that has held for more than a decade, cancer, pregnancy and back disorders were the top causes of disability claims for Unum in 2011.
New research from Unum and the Consumer Federation of America reveals, however, that most employees think injuries cause the most missed work, pointing to a fundamental misunderstanding of what events are most likely to lead to disability.
The survey polled a nationally representative sample of nearly 1,200 employees about group disability insurance. It revealed that employees also are far more likely to believe that injuries (66 percent), rather than illnesses (34 percent), cause the majority of disabilities that keep employees from work for at least three months.
According to the Council for Disability Awareness, 90 percent of all disability claims paid are for common illnesses and health conditions. Unum’s data also reflect that reality. In 2011, injuries prompted only 10 percent of Unum’s long term disability claims and 11 percent of short term disability claims.
In 2011, Unum’s leading causes of long term disability claims were:
New research from Unum and the Consumer Federation of America reveals, however, that most employees think injuries cause the most missed work, pointing to a fundamental misunderstanding of what events are most likely to lead to disability.
The survey polled a nationally representative sample of nearly 1,200 employees about group disability insurance. It revealed that employees also are far more likely to believe that injuries (66 percent), rather than illnesses (34 percent), cause the majority of disabilities that keep employees from work for at least three months.
According to the Council for Disability Awareness, 90 percent of all disability claims paid are for common illnesses and health conditions. Unum’s data also reflect that reality. In 2011, injuries prompted only 10 percent of Unum’s long term disability claims and 11 percent of short term disability claims.
In 2011, Unum’s leading causes of long term disability claims were:
- Cancer (15 percent)
- Back disorders (excluding injury) (14.6 percent)
- Injuries (10.4 percent)
- Mental disorders (10.1 percent)
- Circulatory system disorders (9.3 percent)
- Joint disorders (8.5 percent)
- Normal pregnancy (18.9 percent)
- Injuries (10.9 percent)
- Complications from pregnancy (8.8 percent)
- Digestive disorders (8 percent)
- Back disorders (7 percent)
- Cancer (6.6 percent)
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