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The impact of disability

The likelihood of Disability increases as we age while income decreases and expenses rise.

While most Americans insure their lives and physical possessions such as their homes, cars, etc., many overlook the need to protect their most valuable asset – the ability to earn an income.

How likely is it that someone will become disabled? The table below, developed using data collected by the federal government, shows the number of working-age Americans who have a disability that affects their daily lives.

Individuals with Disabilities by Agefootnote [1]

Age RangeNo DisabilityWith a Disability
5-17 Years95%5%
18- 34 Years94%6%
35-64 Years87%13%
65-74 Years75%25%
75 Years and over51%49%

Income Down, Expenses Up

The graph below illustrates the problem typically faced by an individual who becomes disabled for an extended period of time – income decreases while expenses increase.

graph-the-impact-of-disability 750

return to reference[1]Source: U.S. Census Bureau, 2019 American Community Survey 1-Year Estimates, Sex-by-Age-by Disability Status for the civilian non-institutionalized population, male and female.

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Ever ask yourself,

Ever ask yourself, "Do I need disability insurance?"

Long term, short term, both, and what about other disability insurance options, what are they?