Not at Risk?

You're young. You're healthy. You're generating significant income. Probably the farthest thing from your mind is the possibility of a long-term disability. But the numbers show that nearly one in two people will experience a long-term disability lasting at least three months between the ages of 25 and 65. No one knows when, if, or how a disability will strike, but you can provide yourself, your family and your practice financial security and peace of mind by securing disability protection now.

Probability of at least one long-term disability lasting at least three months before reaching age 65
AGE	PROBABILITY*

25	44%
30	42%
35	41%
40	39%
45	36%
50	33%
55	27%

Average duration of disabilities which last at least three months
AGE	DURATION**

25	4.3 years
30	4.7 years
35	5.1 years
40	5.5 years
45	5.8 years
50	6.2 years
55	6.6 years

Chance of being disabled for life on disabilities which last at least three months
AGE	LIFETIME DISABILITY***

25	25%
30	26%
35	28%
40	30%
45	33%
50	36%
55	40%
60	45%

Sources:
* 1985 Exposure Draft Report of the Society of Actuaries committee to recommend new disability tables for valuation.
** Journal of The American Society of Chartered Life Underwriters Volume VIII, No. 1
*** 1964 Commissioners Disability Table and the 1955-60 Basic Ultimate Mortality Table