(HealthDay News) -- A herniated (sometimes called "ruptured") disk in the back or neck can cause severe pain and numbness.

Disks are the soft, rubbery pads found between the spine's vertebrae. When stressed or overused from wear-and-tear, the center of the disk can push through its outer edge, putting pressure on nearby sensitive nerves.

The American Academy of Orthopaedic Surgeons lists these common risk factors for herniated disks:

* Lifting objects the wrong way.
* Smoking.
* Being overweight, which causes stress on the spine.

After a car accident left Michelle Katz, a Washington, D.C., nursing student, with persistent back pain and numbness in 1998, she consulted a neurosurgeon, who told her she'd need an operation to repair her slipped disk. Katz, then 26, didn't have health insurance, so she did the only thing she could think of: She negotiated.