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What is the likelihood of Disability

One of the biggest myths about disability is that it doesn’t happen to younger people. See the chart below showing 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 months

Source: 1985 Commissioners’ Disability Individual Table A

More statistics:

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