Who Can Apply: Applicants must be enrolled or planning to enroll in an accredited United States college or university during the 2018-2019 academic year. Preference will be given to applicants with a disabled parent or guardian.
Submission: To participate in the contest, applicants should write an essay of 600 to 800 words addressing the following issue:
Every disabled worker we have ever represented tried to prepare for the worst-case scenario by purchasing disability insurance, or by signing up for coverage through an employer, union, or other group. Unfortunately, sometimes the insurer wrongfully denies or unreasonably delays payment of a valid disability claim. Despite taking personal responsibility by purchasing insurance, many disabled workers nevertheless find themselves in severe financial distress – unable to pay the mortgage or rent and other basic living expenses.
Discuss the existing financial safety net and whether it is adequate to address the needs of workers who become disabled. What steps can a young person joining the workforce take to avoid financial catastrophe if an injury or sickness renders them unable to earn a living at some point in their career?
Deadline: December 15, 2018