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Beware of fall-related accidents that could lead to increased insurance costs in the future

Posted On Thu, December 31, 2009

With the holidays coming to a close, most households will soon begin the somewhat cheerless chore of taking down holiday decorations and storing them away until the next season begins.

However, people of all ages should be careful while taking down the decorations, as falls can occur that could potentially leading to injuries that raise one's life insurance premiums down the road.

According to the Centers for Disease Control, an average of 5,800 Americans were sent to the emergency room because of falls sustained while dealing with holiday decorations in November and December in 2000-2002, MarketWatch reported. Of all the accidents, 43 percent were reported to be from slipping off a ladder or falling off of a roof.

However, while accidents relating to falling are commonly thought of as primarily affecting senior citizens, the survey revealed that 62 percent of the holiday accidents affected those between the ages of 20 and 49.

"The takeaway message from the holiday study is that people are changing not just their behavior but their environments during the holidays," said Judy Stevens, an epidemiologist in the CDC Injury Center's Division of Unintentional Injury Prevention.

Injuries resulting from a fall can prove to have long-term repercussions on its victims that could lead to increases in insurance costs down the line. The CDC found that direct and indirect costs related to fall-related accidents among the elderly could top $54 billion by 2020.

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