I mean...maybe? I know of few American companies that aren't going to find away to get rid of you if you're out of work for an extended period of time because of a serious illness or accident. Labor rights are pretty poorly enforced in the US, and when they are, it's often dependent on you being able to mount and survive a costly legal challenge. People tell themselves they'll be ok, but it seems more like a gamble/survivorship bias to me.