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Almost two-thirds of wage earners believe they have a 2% or less chance of being disabled for 3 months or more during their working career, but the actual odds for a worker entering the workforce today are about 25%.

 

Social Security Admin, Fact Sheet 2/7/2013
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Q: Do I have to take a physical?
No, a physical exam or evidence of health is not required. All eligible employees are given guaranteed acceptance when enrolling on our program.