Education Center


Disability Insurance Statistics

  • Three in 10 workers entering the work force today will become disabled before retiring.
    – Social Security Administration, Fact Sheet January 31, 2007
  • An illness or accident will keep 1 in 5 workers out of work for at least a year before the age of 65.
    – Life and Health Insurance Foundation for Education, November 2005
  • One in 7 workers can expect to be disabled for five years or more before retirement.
    – “Commissioners Disability Table, 1998,” Health Insurance Association of America, the New York Times, February 2000
  • 71% of American employees live from paycheck to paycheck.
    – American Payroll Association, “Getting Paid in America” Survey, 2008
  • Disability causes nearly 50% of all mortgage foreclosures, 2% are caused by death.
    – Health Affairs, the Policy Journal of the Health Sphere, 2 February 2005
  • Close to 90% of disabling accidents and illnesses are not work related.
    – National Safety Council, Injury Facts 2008 Ed.
  • Less than half – 39% – of the 2.1 million workers who applied for SSDI benefits in 2005 were approved.
    – Social Security Administration, Office of Disability and Income Security Program
  • Over 51 million Americans are classified as disabled, representing 18 percent of the population.
    U.S. Census Bureau, Public Information Office, November 2008
  • In the U.S., a disabling injury occurs every 1 second, a fatal injury occurs every 4 minutes.
    National Safety Council, Injury Facts 2008 Ed
  • Unexpected illnesses and injuries cause 350,000 personal bankruptcies each year.
    – “Illness and Injury as Contributors to Bankruptcy,” Health Affairs, February 2, 2005
  • In the last 10 minutes, 498 Americans became disabled.
    – National Safety Council, Injury Facts 2008 Ed
  • The average long-term disability absence lasts 2.5 years.
    – Commissioner’s Individual Disability Table A
  • 70% of the private sector workforce has no long-term disability insurance.
    Social Security Administration, Fact Sheet January 31, 2007
  • According to the Federal Reserve, 44% of U.S. families spend more than they earn.
    Federal Reserve Board, Survey of Consumer Finances 2004
  • Over 50% of the workforce has no private pension coverage and a third have no retirement savings.
    – Social Security Administration, Fact Sheet 2007