When you're healthy and working, it's hard to imagine being disabled by illness or injury. But it can happen. In fact:
- One in 3 working Americans will become disabled for 90 days or more before age 65.1
- The average disability absence is 2 and a half years.1
- More than 80% of working Americans don't have disability income insurance or aren't covered adequately.2
The chart below illustrates that an individual's chances of disability are 2 to 3 times greater than death during their working years.
- What would happen if your paychecks suddenly stopped because you were too sick or injured to work? What if you couldn't work for months - or years?
- You'd still have to pay all your monthly bills, including food, utilities, house and car payments. Add in things like tuition and retirement funding, and it's easy to see how savings could quickly disappear.
1Commissioner's Individual Disability Table A
2National Underwriter Magazine, May 2001