What are your chances of being ill or injured?

No one plans to get sick or have an accident. But it can and does happen – more often than you think. You have a one-in-three chance of becoming disabled for 90 days or longer before age 65¹. And if you become unable to work, the average length of disabilities that last over 90 days is 3.1 years.

You and your family can’t afford to be caught off-guard.

The financial impact of being unable to work can destroy your savings and eliminate your equity. According to studies, people with disabilities are almost three times as likely to live in poverty. Beyond its direct impact on you, a long term disability can be devastating for your family.

Here’s some figures to give you an idea of what it could mean.

If you suffered a permanent disability at the age of 35 it could cost you $2.5 million in lost income. If you became totally disabled for only six months beyond the 41 weeks of coverage provided by your Weekly Indemnity Benefit, that injury could easily wipe out 10 years of savings. Can you afford to risk that kind of loss?

Combined Average = 3.1 years²

1. 1985 Commissioner’s Individual Disability Table A

2. Key Findings: 2000 N.O.D./Harris Survey of Americans with Disabilities, July 10, 2002.