• Almost 3 in 10 of today’s 20 year-olds will become disabled before reaching age 67.
Source: Social Security Basic Facts, July 2004
• A fatal injury occurs every 5 minutes. A disabling injury occurs every 1.5 seconds.
Source: Injury Facts®, 2003
• There is a death caused by a motor vehicle crash every 12 minutes. There is a disabling injury every 14 seconds.
Source: Injury Facts®, 2003
• Income lost through disability is 2 times as great as auto accident losses, and 3 times as great as fire losses.
Source: National Safety Council, 2003
• 1 in 5 people will be disabled for one year or more before age 65.
Source: Compton Insurance Marketing, 2002
• Women between ages of 35 and 65 are 40% more likely than men to become disabled for 90 or more days.
Source: Compton Insurance Marketing, 2002
• For 30-year-old males, the risk of a long-term disability is 4.1 times more likely than the risk of death. For 40-year-olds, it is 2.9 times more likely. And at age 50, it is 2.2 times more likely.
Source: National Safety Council, 2003
• Disability is the cause of nearly half of all home foreclosures.
Source: Compton Insurance Marketing, 2002
• Leading contributors to disability burden are road traffic accidents, alcohol use, cardiovascular disease, major depression, and ischemic heart disease.
Source: World Health Organization, 2003
• 72% of the private sector workforce has no long-term disability insurance.
Source: Social Security Basic Facts, July 2004
• Nearly half of small employers (5 to 100 workers) believe that the likelihood of an employee becoming disabled is one in 50. The actual likelihood, ACLI reports, is one in three.
Source: American Council of Life Insurers (ACLI), 2003
• A group DI policy typically pays 45-60% of annual income upon the claim.
Source: “Life Insurance Industry Primer,” JP Morgan, January 2004
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