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    50+: Live Better, Longer

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    Leading Causes of Disability

    Protecting Yourself From the Medical Costs of Disability continued...

    Look into long-term-care insurance. It's not right or affordable for everyone. But long-term-care insurance will cover some of the costs if you become disabled and need home health care or a stay in a nursing home.

    Improve your lifestyle. Take these commonsense steps to protect your health:

    Improving your lifestyle could dramatically lower your risk of many conditions, including:

    • Heart disease
    • Diabetes
    • Cancer

    Even if you already have been diagnosed with a health problem, changing your habits can still have a big benefit.

    Take an honest assessment of your risks and do what you can to lower them. That way you can help minimize the risk of a financial setback.

    "Your income pays for everything -- your mortgage, your savings, your kids' college, and your retirement," says Barry Lundquist, president of the nonprofit Council for Disability Awareness. "Your ability to work is your greatest asset. You should do what you can to protect it."

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    Reviewed on March 04, 2013

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