- 90% of disabilities are caused by illnesses.
– JHA Disability Fact Book, 2008 Edition
- Over 85% of disabling accidents and illnesses are not work related.
– National Safety Council®, Injury Facts® 2008 Ed.
- While many people think that disabilities are typically caused by freak accidents, the majority of long-term absences are actually due to illnesses, such as cancer and heart disease.
– Life and Health Insurance Foundation for Education November, 2005
- For insured men and women in their prime working years (30-59), the medical conditions causing the most disabilities are cardiovascular problems, musculoskeletal conditions and cancer. One notable exception is the impact of pregnancy on female disability risk. Among women ages 30-39, disabilities due to pregnancy (mostly complications of pregnancy) are the most prominent claim type.
– Millman, sponsored by Life and Health Insurance Foundation for Education (LIFE), “The Real Risk of Disability in the United States”, 2007 (http://www.lifehappens.org/pdf/Real-Risk-of-Disability-paper-FINAL.pdf)
- Stroke is a leading cause of serious long–term disability.
– Centers for Disease Control and Prevention, 2007
- Common causes of individual disability insurance claims are:
- According to Council for Disability Awareness research, the most common causes of existing long-term disability claims in 2010 included:diseases of the musculoskeletal system and connective tissue (30.1% of all existing claims), diseases of the nervous system and sense organs (13.4%), diseases of the circulatory system (12.7%) and cancer (8.4%).
– 2011 Long-Term Disability Claims Review, Council for Disability Awareness
You should expect to pay about 1-3% of your gross income on an individual disability policy.