Disabled and Unable to Work - Now What?

Each year, more than 2.2 million Americans experience an accident, injury or illness that temporarily or permanently ends their ability to work threatens their livelihoods, and forces them to file a long-term disability claim. Out of all those who apply, only 3 % will ever receive disability payments. The other 97 % will never see a penny, as their claims will be rejected. How can you make sure this doesn't happen to you?