Financial Protection Disability insurance Understanding your risk for disability Sometimes the world can feel like a risky place — every day we’re bombarded by news reports of crime, accidents and natural disasters. But what about the effects of illness or injury? You may not think you need to plan for illness or injury, but they could keep you from working and thus be considered a disability. What are the chances that you or someone you care about could become disabled? • Roughly three in 10 Americans will suffer a disability lasting 90 days or longer before the age of 65 1 • Nearly one in five Americans will be disabled for one year or more during their working years 2 The leading causes of these disabilities are not accidents or injuries — they are illnesses and chronic conditions such as cancer, cardiovascular disease and musculoskeletal disorders. 3 The average length of a long-term disability is between two and three years, and this could place a significant strain on your resources. Many American families live paycheck to paycheck, and the majority couldn’t afford to go one month, let alone two or three years, without the support of a regular income. 4 Therefore, it is important to be financially prepared.