Insurance claims studies indicate that the odds of becoming disabled for 90 days or longer are much greater than dying during one’s working years.

Studies also suggest that, as the number of business owners or key employees’ increases, so do the odds hat one of them will suffer a long-term disability.

Probability of at Least One Long-Term Disability Prior to Age 65

Age

1

2

3

4

5

6

25

58%

82%

92%

97%

99%

99%

30

54%

79%

90%

96%

98%

99%

35

50%

75%

88%

94%

97%

98%

40

45%

70%

84%

91%

95%

97%

45

40%

64%

78%

87%

92%

95%

50

33%

55%

70%

80%

86%

91%

55

25%

43%

57%

68%

76%

82%

Determining Odds of Disability Among People of Different Ages

Use the following table and calculator to determine the risk of a long-term disability among your business owners or key employees.

Age

25

30

35

40

45

50

55

Value

.42

.46

.50

.55

.60

.67

.75

Enter a value for each individual.