The impact of disability
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The likelihood of disability increases as we age while income decreases and expenses rise.
While most Americans insure their lives and physical possessions such as their homes, cars, etc., many overlook the need to protect their most valuable asset ― the ability to earn an income.
How likely is it that someone will become disabled? The table below, developed using data collected by the federal government, shows the number of working-age Americans who have a disability that affects their daily lives.
Individuals with disabilities by age1
Age Range
No Disability
With a Disability
5-17 Years
94%
6%
18-34 Years
93%
7%
35-64 Years
88%
12%
65-74 Years
76%
24%
75 Years and over
53%
47%
Income down, expenses up
The graph below illustrates the problem typically faced by an individual who becomes disabled for an extended period of time – income decreases while expenses increase.
