1. Ron Hall is an apprentice electrician. He works for a company specializing in outdoor, high-voltage power systems; therefore, he spends a lot of time on ladders, scaffolds, and in bucket trucks. He had one potentially serious incident stepping off a scaffold, and once he forgot to stabilize the truck before starting up in the bucket. So far he has not been injured. Ron jokes about his absent-mindedness. He says his union insurance plan includes 90 days of full disability benefits, and thats long enough for a broken leg to heal. Hes young and strong, has no dependents, and has siblings and cousins who could nurse him through a disabling injury.

What does Ron not understand about potential disability? What would you say to him about reducing risk? What would you advise him to do about financial risk?