Determine Your Disability Income Insurance Needs

How would you pay your bills if you were
sick or injured?

If your paycheck suddenly stopped because of a disability, you'd still have to pay your mortgage or rent, utilities, car payment, groceries - and all your other monthly expenses.

Disability income insurance provides helpful benefits. Read these customers' stories from our 2004 Annual Report and 2006 Annual Report.

What are the odds?

• Three out of every 10 workers between the ages of 25 and 65 will experience an accident or illness that keeps them out of work for three months or longer.¹
• Nearly 50 percent of mortgage foreclosures are caused by disability (only 2 percent are caused by death).²
• 90 percent of disabling accidents and illnesses are not work-related³
• Only 39 percent of the 2.1 million people who applied for Social Security disability benefits were approved in 2005⁴
• Fewer than 3 in 10 U.S. workers participate in private long-term disability plans.⁵

¹ "Disability Insurance: A Missing Piece in the Financial Security Puzzle," America's Health Insurance Plans, 2004 ² Health Affairs, The Policy Journal of the Health Sphere, Feb. 2, 2005 ³ National Safety Council, Injury Facts 2004 Edition ⁴ Social Security Administration, Office of Disability and Income Security Programs, 2005 ⁵ U.S. Department of Labor, Bureau of Labor Statistics , National Compensation Survey, March 2005

Related Links

Calculator: How Much Disability Insurance Do
You Need?

Other Products