The 1985 Commissioner's Disability Table provides us with some
excellent data on the risk of an individual suffering a long term
disability where they would want to have an individual disability
insurance policy in place in order to provide a source of income.
The following sets of data are compelling, especially to people
who believe themselves to be invincible. There is no reason to
go without disability insurance unless you are extremely wealthy,
and have no need to work except for pleasure. Request
a quote now to begin the process of purchasing your
own personal disability insurance policy.
The percentage of people who can expect to suffer a long term
disability of 90 days or more before they reach the age of 65.
| Age |
Percentage |
Disabled |
| 25 |
52% |
1 out of 2 |
| 30 |
51% |
1 out of 2 |
| 35 |
48% |
4 out of 9 |
| 40 |
45% |
4 out of 9 |
| 45 |
40% |
2 out of 5 |
| 50 |
34% |
1 out of 3 |
| 55 |
27% |
1 out of 6 |
| 60 |
16% |
1 out of 6 |
The Chances A Disability Lasts Longer
Than Expected
If a disability of 90 days or more lasts two years, it will
probably continue longer, even for life.
Age when disabled
90 days |
Percentage still disabled after
2 years and 90 days |
Percentage still disabled after
5 years |
| 25 |
63.5% |
44.2% |
| 35 |
69.7% |
52.6% |
| 45 |
73.6% |
58.0% |
| 55 |
77.6% |
59.6% |
It is a misconception that disabilities are short
term in nature. Most people read the long term disability insurance
statistics on this page and are taken back a little bit. Yes,
there is a very big chance you are going to need to use disability
insurance during your working years. Some of the causes
of disabilities may result in a long period of time where
you are unable to work. Provider Plus disability insurance offered
by Berkshire and Guardian is one of very few carriers today
that still offers a graded lifetime benefit period as well.
This allows Provider
Plus to pay benefits longer than just about every other
competitor on the market today.
Request
A Disability Insurance Quote Now
Review additional Disability
Insurance Statistics
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