Long-term disability plans are offered to employees by only about 30 percent of employers. One of the peculiarities of long-term disability plans is that those employers who do offer it to their employees generally provide it only to employees in low-risk occupations such as executives, sales workers and professionals. Conversely, high-risk occupations such as construction workers, line-workers and miners are least likely to be offered this benefit by their employers. Why do you think this is the case? Also, what motivation do you think employers have in providing long-term disability benefits to employees in low-risk occupations?