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Death or Disability?

Are you more likely to become disabled or die before age 65? The 1985 Commissioner's Individual Disability Table A provides data on the probability of an individual becoming disabled. The 2001 CSO Ultimate table provides data on the probability of mortality. These are only probabilities and actual results will vary on each individual's characteristics (i.e. age, gender, occupation, health status, etc.).

Probability of a Disability lasting at least 90 days vs. Death
between the age shown in the table and age 65
Age % more likely to become disabled than die
Male Female
25 32% 147%
30 31% 141%
35 32% 135%
40 32% 125%
45 32% 111%
50 33% 94%
55 32% 79%
60 9.3% 10.6%
Mortality based on 2001 CSO Ultimate table (composite smoking status)
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


The above data shows that chances are you are more likely to become disabled than to die before age 65.



Disability Insurance Statistics