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The Worst Jobs for Your Health

Working is good for the worker in many ways, but in some jobs, there may be negative effects on your overall health.

Here’s an overview of those occupations that could be particularly bad for your physical or emotional well-being, as determined by the Bureau of Labor Statistics’ annual report on fatal occupational injuries as well as CareerCast.com’s annual list of most stressful jobs.

[See: Will Your Job Kill You?]

Construction

It’s discouraging how hazardous construction work can be. Even the best-trained workers could fall, suffer electrocution or get trapped between surfaces. They also run the risk of exposure to strong chemicals, fumes and particles. Protective gear may stave off illness, but it doesn’t prevent it altogether, and Health.com notes construction workers who inhale dust on a job site are at risk for lung cancer, mesothelioma and asbestosis. The BLS reports fatal work injuries in construction and extraction occupations fell 6 percent and 15 percent, respectively, between 2012 and 2013. Still, two construction jobs — roofers and general construction laborers — were among the top 10 occupations with the highest fatal work injuries in 2013. One extraction job, mining machine operator, also appeared on the BLS list.

Service

The BLS reports fatal work injuries have increased to 247 fatalities within protective service occupations, like firefighters and police officers, and on-the-job injury is still common. There’s also an expected emotional toll from caring for the lives of others while working long, unorthodox shifts. As a result, these two professions were included on CareerCast’s list of the 10 most stressful jobs. Firefighters face an additional health threat due to their possible exposure to toxic chemicals.

There’s a great chance of physical injury on other service-performing jobs as well. Garbage collectors could suffer muscle strain while lifting heavy objects around warehouses and on dump trucks. Plus there’s a chance of injury if those collectors who ride in or on the back of a garbage truck are involved in an auto accident. Electric power-line installers and repairers could be electrocuted on live wire or accidentally fall. According to the BLS, both professions experience high injury rates and are among the 10 occupations with the highest fatal work injuries in 2013.

[Read: 5 Dream Jobs That Aren’t So Dreamy.]

Farming, Fishing and Forestry

Jobs in these industries are ideal for those who love the outdoors, don’t mind getting their hands dirty and don’t mind suffering a scrape or two. Working in nature with livestock or marine life means juggling the unexpected, and there’s a great chance for injury, even for the well-seasoned and well-trained. Farmers and ranchers as well as fishers and logging workers were among the 10 occupations with the highest fatal work injuries in 2013, although on-the-job fatalities in these fields have actually declined to 225.

Armed Services

Armed services jobs range from those directly related to defense, like a fighter pilot, to those that have a civilian equivalent, like a navy lawyer, so the strain someone in this field might experience varies. One thing’s certain: Any job within the military could involve extensive periods away from home, irregular shifts, the responsibility for the lives of others and the possibility of placing those lives — and your own — at risk. For these reasons, CareerCast included both enlisted military personnel (any military member who serves at a rank below commissioned officer) and military general (an officer who has reached the top of the military rank structure) on its list of most stressful jobs of 2014. The BLS reports 67 fatal work injuries to resident military personnel in 2013, compared to 50 in 2012.

Transportation

Let’s skirt past the obvious — operating heavy mobile machinery is always dangerous — to little-thought-of reasons transportation jobs affect physical and emotional health. First, there’s the exposure to fumes and chemicals: For example, Health.com notes delivery truck drivers who unload merchandise at loading docks are at risk for lung diseases like COPD. Airline pilots risk hearing loss from their prolonged exposure to blaring plane engine noise. There’s also the mental stress involved from being responsible for the safety of your passengers. Airline pilot also appeared on CareerCast’s list, along with taxi driver, for being especially stressful. The BLS reports fatal work injuries in transportation professions actually declined 10 percent last year. Still, the aforementioned jobs were among the 10 occupations with the highest fatal work injury rates in 2013.

Desk Jobs

Don’t snicker — desk jobs don’t appear on the BLS list of jobs with the highest fatalities, but they can still be dangerous in the long term. Numerous studies show sitting too much could shorten your life and increase your chance of cancer, diabetes and cardiovascular disease. Then there’s the impact one of these jobs could have on your psyche. CareerCast includes four so-called “desk jobs” on its list of stressful occupations: Event coordinator, public relations executive, senior corporate executive and newspaper reporter. They all have one glaring, uniting characteristic that probably contributed to their placement: They’re all deadline-driven occupations.

[See: The 10 Best Times to Switch Jobs .]

Take these preventive measures to ensure you’re working as safely as possible:

1. Consult with your doctor. Talk with your primary care physician about your occupation’s stressors and your typical workday so he or she might give recommendations for how to stay safe and well. Depending on your profession, you might also want to set up a consultation with an executive health program. “We see patients from all over the world who visit us for a day to a day and a half for consultations and tests,” says Kurt Carlson, an internist and medical director for the executive and international health program at the Mayo Clinic. “The intent is for these people to return to their primary care provider with the recommendations we’ve given them, and we make an effort to communicate the results of our evaluation with those providers.”

2. Stay certified and informed. It’s important to pursue continual safety training, particularly for jobs with a physical aspect. For instance, the Construction Safety Council is a nonprofit organization that offers training courses for anyone affiliated with a construction site, from engineers and architects to vendors and laborers. “All our courses are based on the OSHA [Occupational Safety and Health Administration] standards and incorporate any other industry best practices, so attendees are trained on how to avoid unsafe positions and situations on the job, and we also turn them on to some of the technology that’s been developed to make their jobs safer,” says Paul A. Satti, technical director of the CSC. Satti also stresses that “training isn’t the end solution to the problem. It’s also important for the contractors who run the job site to do what’s necessary to keep the site and their workers safe.”

3. Get sleep and get active. Carlson says employees in sedentary fields often complain that they lack two things: sleep and time to exercise. Working with your doctor can help you normalize your schedule to make time for both, and you should aim for at least seven hours of sleep most nights.

4. Cull bad habits. Limit your alcohol intake and stop smoking altogether because these habits place additional physical stress on your body. And try eating a balanced diet. “A lot of the people we see are age 45 up to 65 or 70, so that’s the time in life when they should have screenings for a variety of conditions,” Carlson says. “There’s focus on heart health and developing healthy eating and exercise habits.”

5. Find a Zen activity. Taking care of yourself physically will have a positive effect on how you process stress, but introduce at least one other just-for-you activity that you may do to relax in off hours. “Stress management really deals with how you manage any stress in life, not just stress at work,” Carlson says.

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The Worst Jobs for Your Health originally appeared on usnews.com

Don’t Settle for Student Loans to Pay for Online Education

Online college programs are becoming a more popular choice for prospective students, with one study finding that more than 6 million students enrolled in at least one online course in fall 2015. The popularity of these courses can be attributed in part to their flexibility with working adults' schedules, students' ability to progress more quickly through online programs and, oftentimes, cheaper tuition. [See 10 low-cost online bachelor's programs for out-of-state students.]Online degrees can be beneficial to many college students, but some studies have shown online learners complete their programs at lower rates than students at traditional brick-and-mortar campuses. Individuals with student loans but no degree comprise two-thirds of defaulted borrowers. Though these numbers are not encouraging, just like for traditional programs, there are ways to reduce how much you'll need to borrow for an online program to ensure you won't become one of these statistics. Don't just settle on borrowing student loans to cover the whole cost of your program and living expenses. Instead, start thinking about how to cut costs and cover your balance in different ways, such as the following. -- Grants and scholarships: Even though you are taking an online course, you can still apply and receive grants and scholarships. But your first step should be to complete the Free Application for Federal Student Aid, commonly referred to as the FAFSA, which will allow you to receive a Pell Grant if your expected family contribution is low enough. The EFC criteria and award amounts are adjusted annually, but the 2017-2018 academic year awards range from $606 to $5,920, which could significantly lower the amount you borrow annually. Your next step is to apply for scholarships. You can start by checking online scholarship search engines, such as the Salt Scholarship Search, College Board's BigFuture and Peterson's. But don't forget to take advantage of local organizations and your school's financial aid office. Both may offer scholarships that you can't find with a national scholarship search. [Review these 10 sites to kick off your scholarship search.]For instance, organizations like the Elks Club, Knights of Columbus or the Rotary Club typically offer scholarships annually to local students. Just because you're going to school online doesn't mean you're ineligible. Visit your local library for scholarship listings, and ask around town. You might be surprised how many local organizations offer scholarships. While these scholarships typically aren't large, every little bit counts. Each dollar you receive in a scholarship is a dollar you don't have to borrow and pay interest on. -- Work-study: Another option for online students may be work-study awards. Not all students enrolled in online programs are eligible, but students at some schools -- including, for example, SUNY Empire State College and Liberty University -- are. Work-study awards are not given upfront like scholarships and grants. In most cases, they are an offer to earn up to the awarded amount if you secure an eligible work-study job. While there is a misconception that all work-study jobs must be on campus, students can work for off-campus, nonprofit or public employers as long as the work is in the public's interest. You may be able to work for a for-profit employer if the job is relevant to your course of study. No matter who the outside employer is, it will need to have an established agreement with your college for you to receive work-study funds. Remember, to be eligible for federal financial aid, you must be enrolled and pursuing a degree or certificate. If you're not working toward a credential, Pell Grants and work-study won't be option, but you may still be able to take advantage of private scholarships -- just be sure to read the eligibility criteria carefully. [Explore what to know about financial aid in online programs.]-- Pay as you go: One of the great benefits to enrolling online is the flexible schedule, which can allow you to complete your college coursework around your responsibilities. But prospective students often overlook using their part- or full-time job earnings as an option for paying for college. Almost 80 percent of college students in 2015 worked at least part time while attending classes, according to the National Center for Education Statistics. By budgeting and thinking strategically about your college costs, you can likely reduce your dependence on student loans by paying a portion out of pocket. Many -- but not all -- online programs are less expensive than traditional programs and often have shorter payment periods. Six, eight or 10 weeks are common course durations. Because of the frequency of payments in an online setting, you may be well-placed to pay as you go and possibly avoid borrowing altogether. Attending college online and avoiding student loans may be challenging, but if you are willing to put in the effort, you can limit the amount you need to borrow. More from U.S. News Q&A: Understanding Student Loan Discharge Eligibility Student Loan Refinancing Isn't Right for All Borrowers
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