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Death or Disability?
 
There are two threats to your ability to earn an income - death and disability. We don't know when death will occur, but we know it is inevitable. Disability, on the other hand, isn't a certainty. But what are the chances that you will be disabled before age 65?

Death vs. Disability between
the Age shown and Age 65
Age Death Disability
25 24.1% 34.8%
30 23.5% 33.1%
35 22.8% 31.3%
40 21.8% 29.1%
45 20.4% 26.3%
50 18.3% 22.6%
55 14.9% 17.6%
60 9.3% 10.6%
1985 CIDTA, male, 30 day elimination period, top occupational class, and the 1980 CSO.

Chances are that you are more likely to become disabled than to die!

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