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Re:America Is Regressing into a Developing Nation for Most P... by coldtea on Sunday June 23, 2019 @02:07PM (#20257498)
>The median person never runs into a life- or employment-threatening health issue during their working life.

The median person might not, but for "employment-threatening health issue" a quite big percentage of people get into them, and for life threatening ones a large enough percentage to matter (I'd say 10% or more easily, due to cancer and heart attacks alone).

https://www.commonwealthfund.org/publications/newsletter-art...

And of course the key words here are "during their working life". If we imagine that until 60-65 or so, this has been extended by people unable to get pension in a reasonable age or with savings eaten by health and such issues and forced to come back into working life.

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