Disability Probability

• The risk of a 40 year old becoming disabled 90 days or longer,
  prior to age 65, is 64%.
  (“Disability Probability”. EFMoody.Jan 2008)
   
• The average disability period for a 40-year old disabled at least
  90 days, is 5-1/2 years.
  (“Disability Probability”. EFMoody. Jan 2008)
   
• Roughly 50% of people who suffer disabilities lasting longer than
  six months remain disabled for five years.
  (DI and LTC Insurance Services, 2010)
   
• Every year 12% of the adult U.S. population suffers a long-term
  disability. One out of every seven workers will suffer a five-year
  or longer period of disability before age 65.
  (“Disability Probability”. EFMoody. Jan 2008)
   
• 48% of all home foreclosures are the result of loss of income due
  to disability, while only 3% of all foreclosures result from death.
  (Housing & Home Financial Agency of the U.S. Government, 1998)

2008 Disability Claim by Diagnosis

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