What are my chances?
1. Nearly 50% of all individuals 35 or younger will be disabled for 90 days or longer prior to age 65.
2. Approximately 30% of all people age 35 - 65 will suffer a disability for at least 90 days, and about 1 in 7 can expect to become disabled for 5 years or more.
3. Consider the odds...During your working years it is more likely you will face a disability than die. In fact, at no age is the risk of death greater than the risk of becoming disabled. For a male, age 35, the odds are nearly 2 to 1; for a female, age 35, almost 3 to 1.
What are my chances of suffering a long term disability (one lasting more than 90 days prior to age 65)? And if I do, what is the average length of the disability?
Source: Commissioners Individual Disability Tables, CSO/Society of Actuaries, the National Safety Council, and/or The Million Dollar Round Table.
If my disability has lasted 1 year, what is the probability the disability will last:
Death is inevitable, but disability is more financially devastating.
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