Education Center

Probability of Disability versus Death

A disability’s financial implications can be even more disastrous than that of a premature death. Death is certain to occur at some point, while disability may never occur. However, for most people death occurs after the income earning years. During one’s income earning years, when the financial impact is more strongly felt, disability is a greater threat and more likely to occur.

Probability of Disability vs. Death

Age

Ratio

30
2.31 to 1
35
2.21 to 1
40
1.95 to 1
45
1.69 to 1
50
1.53 to 1
55
1.33 to 1

Source: 1985 Commissioners’ Disability Individual Table A and 1980 CSO Mortality Table