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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.
-Source: 1985 Commissioners Individual Disability Table A, as reported in "Best's Policy Reports," February 1999

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.
-Source: Health Insurance Association of America; The New York Times, February 2000; As published in The JHA Disability Fact Book, 2003 Edition

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?

Your Age

Chances of suffering a long term disability

Average length of disability

4.7 years
5.1 years
5.8 years
6.2 years

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:

 Your Age

1 More Year 

2 More Years 

5 More Years 

















Source: Commissioners Individual Disability Tables, CSO


Death is inevitable, but disability is more financially devastating.

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1311 S. Main St., Suite 208
Mt. Airy, MD 21771

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**Page information taken from various sources including, but not limited to "From Here To SecuritySM", The National Underwriter Company, National Safety Council, The Society of Actuaries, Social Security Forum, New York Post, Association of Health Insurance Advisors, Health Insurance Association of America, With Permission © Insurance Information Institute, Inc. - ALL RIGHTS RESERVED - or otherwise noted** 

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