Substance abuse brings numerous problems into the workplace, including high rates of absenteeism, accidents on the job, and claims for illness benefits and compensation.

滥用麻醉品为职场带来无数问题，包括高比率的旷职、工作意外，以及疾病保险与赔偿申请。

youdao

It doesn't mean they will pay our loan on time but it does increase the likelihood, especially if no major changes take place like job loss or major illness, etc.

这并不意味着他们将来就会按时清偿贷款，但的确，特别是在无重大变化发生时，如失业或者重大疾病等，清偿的可能性会比较高。

youdao