Americans are occasionally a little too optimistic.

For example, the 2011 Aflac WorkForces Report conducted by Harris Interactive —a recent survey of more than 2,000 benefits decision-makers and more than 4,000 U.S. workers— found that 13 percent of workers believe it's likely that they or a family member will experience a serious illness, such as heart disease or cancer, in the future.

But this is one time where a little less optimism should prevail. The truth is that unexpected medical emergencies can happen to anyone.

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