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What are the odds I’ll ever become disabled?

If you became disabled tomorrow, could you live without an income for the next 3 years or more?

You may be surprised to learn that more than one third of all people between the ages of 35 and 65 will become disabled for 90 days or more. Of those disabled, the average duration is two years and one in seven will be disabled for more than five years.

Of 100 Males and Females, here is how many will suffer a disabling injury or illness for at least 90 days or more before age 65, and the average duration of that disability:

Age            Risk of Disability Males* Risk of Disability Females* Average Duration**
25 41% 47% 2.6 years
30 39% 45% 3.1 years
35 37% 42% 3.5 years
40 35% 38% 4.0 years
45 33% 34% 4.4 years
50 29% 28% 4.7 years
55 24% 21% 4.9 years

*Source: 1985 DTS Table, Society of Actuaries and 1986-92 CIA Aggregate Mortality Table
**Source: 1985 DTS Table, Society of Actuaries

Although your odds of becoming disabled for at least 90 days reduces slightly as you age, the risk that your disability will be severe increases until age 65.