One of the biggest myths about disability is that it doesn’t happen to younger people. The chart below shows the odds of having a long term disability (one lasting more than 90 days before age 65) along with average duration of disability.
Likelihood of Disability Before Age 65 at Different Ages
|
Your Age |
Likelihood of Long Term Disability |
Average Duration |
|
30
|
1 in 3
|
32 months
|
|
40
|
3 in 10
|
42 months
|
|
50
|
5 in 22
|
50 months
|
|
60
|
1 in 10
|
54 month
|
Source: 1985 Commissioners’ Disability Individual Table A
For more statistics about disability check these pages:
Disability statistics
Disability insurance facts
How long do disabilities last on average?
Likelihood of death versus a long term disability
See recent examples of actual disability insurance claims