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Chances of a Long Term Disability

It's human nature - most of us don't want to think about getting sick or injured, or about struggling financially because we are unable to work. Yet it's a possibility we all must consider. The 1985 Commissioner's Individual Disability Table A provides data on the probability of an individual becoming disabled. These are only probabilities and actual results will vary on each individual's characteristics (Le. age, gender, occupation, health status, etc.).

Probability of a Disability lasting at least 90 days between the age shown in the table and age 65
Age	Male	Female
25	20.2%	29.9%
30	19.6%	28.6%
35	19.0%	27.0%
40	18.2%	24.8%
45	17.1%	21.8%
50	15.4%	18.1%
55	12.6%	13.5%
Disability based on 1985 CIDA, 90-day elimination period, occupation class 1. Statistics vary by occupation Occupation Class 1: includes professional, technical and managerial occupations that are generally office duties only 1985 CIDA is the most current morbidity table for individual disability claim incidence adopted by most State Departments of Insurance

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The Chances of Remaining Disabled

Not all disabilities are short term in nature.

Probability of remaining disabled after meeting a 90-day elimination period
Age when disabled for at least 90 days	Male		Female
Age when disabled for at least 90 days	Percentage still disabled after 2 years	Percentage still disabled after 5 years	Percentage still disabled after 2 years	Percentage still disabled after 5 years
25	27.3%	11.6%	25.2%	13.0%
30	30.7%	16.6%	28.2%	17.4%
35	34.8%	21.8%	32.2%	22.3%
40	39.4%	27.3%	36.9%	27.6%
45	44.5%	32.9%	42.0%	33.2%
50	49.7%	38.3%	47.2%	38.6%
55	54.6%	43.0%	52.2%	43.3%
Disability based on 1985 CIDC, 90-day elimination period, occupation class 1. Statistics vary by occupation Occupation Class 1: includes professional, technical and managerial occupations that are generally office duties only 1985 CIDC is the most current morbidity table for individual disability claim incidence adopted by most State Departments of Insurance

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Financial Balance Group LLC is a general agency of The Guardian Life Insurance Company of America, NY, NY. Guardian Disability Insurance Brokerage is the brokerage arm of Financial Balance Group LLC. Disability insurance agent information provided on this web site is for broker use only. For important information about the disability insurance products and insurers discussed on this page, as well as information concerning Guardian Disability Insurance Brokerage or the General Agency representing Guardian, please click here.
Copyright Steven L. Crawford (General Agent).

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