Disability Facts

Disability is more common than you think and it can happen to anyone

Disability Facts

According to the United States Census Bureau, over 51 million Americans are classified as disabled.

A disabling injury occurs every two seconds.

Three in 10 workers entering the work force today will become disabled before retiring.

Over 6.8 million workers are receiving Social Security Disability benefits, almost half are under age 50.


Most American workers are not covered by disability insurance

Over 100 million workers do not have private disability income insurance.

70% of the private sector workforce has no long-term disability insurance.

Disability often keeps people out of work:

  • An illness or accident will keep 1 in 5 workers out of work for at least a year during their working careers.
  • One in 7 workers can expect to be disabled for five years or more before retirement
  • The average long-term disability absence lasts 2.5 years.

Disability can cause financial hardship:

  • Two-thirds of American families live from paycheck to paycheck.
  • Unexpected illnesses and injuries cause 350,000 personal bankruptcies each year.
  • Disability causes nearly 50% of all mortgage foreclosures, 2% are caused by death.

Most American workers can’t afford to become disabled:

  • Over 70% of working Americans do not have enough savings to meet short-term emergencies.
  • According to the Federal Reserve, 44% of U.S. families spend more than they earn.
  • For the average American household, the savings rate is negative, the lowest since 1933, and credit card debt is at an all-time high.
  • Over 50% of the workforce has no private pension coverage and a third have no retirement savings.

Social Security and Workers’ Compensation may not be adequate:

  • Over 90% of disabling accidents and illnesses are not work related.
  • The average monthly Social Security Disability Insurance (SSDI) benefit is $978.
  • Less than half – 39% – of the 2.1 million workers who applied for SSDI benefits in 2005 were approved.

So what are you going to do now?