Some Sobering Facts About a Common Social Practice
Friday, April 15, 2016
Spring is definitely in the air and we’re all feeling a little more carefree than we did a few months ago. With warmer temperatures and longer daylight hours, we all find more opportunities to get together for a few drinks after work or over the weekend. While there are plenty of good reasons for socializing—including the health benefits of enjoying strong social relationships—there are fewer good reasons for indulging in more than one or two drinks per day.
The first risk that comes to mind with alcohol consumption, for a DI salesperson, is driving or operating heavy machinery while under the influence. And of course there’s good reason for this. We’re all very aware of the risks of driving while intoxicated—from expensive tickets to hurting or killing others or ourselves—and hopefully take the responsibility seriously whenever we have a drink.
But there’s another risk that, while not as publicized, is equally dangerous and is linked to more DI claims than accidents. High levels of alcohol consumption are linked to a long list of health problems, including cancer, heart disease, hypertension and cirrhosis of the liver.
Studies have shown that excessive drinking (more than 3 drinks per day for women and more than 4 per day for men) contributes to a person’s chances of developing several types of cancer including liver and breast cancer. One of the largest causes of long-term disability claims is cancer.
Excessive alcohol consumption can also lead to long-term brain damage and dementia. With more and more research pointing to the benefits of working later in life, essentially pushing the retirement age out to the 70’s or beyond, this condition could drastically shorten the life span of an otherwise healthy person’s career.
Another major cause behind disability insurance claims is heart disease. Excessive alcohol consumption can cause your blood pressure to spike, putting unnecessary stress on your heart, and potentially leading to a heart attack.
Of course none of us are doctors, so it’s not practical to be giving out medical advice to your clients. But it could be prudent to emphasize the correlation between some lifestyle choices and the high incidence of long-term disability insurance claims.
Call our office anytime with questions about selling long-term disability insurance to your clients. We’re always happy to help.