Disability Insurance

What Are The Chances?

Accidents and illnesses are facts of life. They can happen to anyone at any time, and in a second, they can change your life forever. What are the chances it could happen to you? Consider the following:

It's like your future is hidden behind one of three doors. Two of them lead to good health. The other leads to disability. Pick the wrong one and you lose. Are you willing to play the odds? Can you afford to let that happen?

Out of 1000 women and men, a high percentage will be disabled for a period of 90 days or longer before the age of 65.

Age 25 30 35 40 45 50 55 60
Women 47% 45% 42% 38% 34% 28% 21% 12%
Men 41% 39% 37% 35% 33% 29% 24% 15%

The average disability which lasts over 90 days usually lasts 2.9 years:

Age 25 30 35 40 45 50 55 60
Women 2.4 2.8 3.2 3.4 3.5 3.3 2.8 2.1
Men 2.2 2.7 3.1 3.4 3.5 3.3 2.9 2.2

Sources:
CIA 86-92 Aggregate Mortality Table
1985 Commissioner's Disability Table A (Experience Table)