Examples of Disability Insurance Claims

It may surprise you that only 14% of disability insurance claims are caused by injuries, most are caused by illness. Thus, the number of claims due to illness is six times more likely  to occur than claims due to injuries. (1)

The following gives actual recent claims from a large disability insurance company. (2)

Recently Paid Claims

Occupation

Claim Onset Age

Claim Onset Date

Policy Issue
Date

Disability/Diagnosis

Accountant

58

2003

1996

Pancreatic Cancer

Anesthesiologist

60

1999

1996

Disorders involving the immune mechanism

Attorney

40

2004

1997

Pregnancy

Attorney

50

2001

1998

Acute myocardial infarction

Dental Hygienist

38

2001

1998

Herniated disc

Dentist

50

2003

1997

Fracture of clavicle

Engineer

45

2003

1999

Lumbar intervertebral disk without myelopathy

Executive

52

1997

1997

Irritable colon

Executive

42

1997

1997

Senile and presenile organic psychotic conditions

Manager

53

1999

1998

Polymyalgia rheumatica

Nurse

51

2001

1998

Labral degeneration

Physician Obstetrics

62

2003

2000

Low back pain/strain

Physician

56

2002

1999

Monocytic leukemia

Sales

39

2003

1999

Diffuse diseases of connective tissue

Sales

33

2003

2000

Traumatic brain inju


(1) Disability Statistics Abstract Number 16 (September 1996) Published by the Disability Statistics Rehabilitation Research and Training Center, University of California San Francisco, and The National Institute on Disability and Rehabilitation Research (U.S. Department of Education)
(2) From a major insurance company publication. Copy of publication available upon request.

For more statistics about disability, check these pages:

Disability statistics
Disability insurance facts

Likelihood of death versus a long term disability

What is the likelihood of disability occurring?

See recent examples of actual disability insurance claims

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