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Disability Chances — Know Your Risk

Base ~25% disabled before retirement (SSA). Adjusted by occupation, health, years to retirement.

Concept Fundamentals
22%
Your Risk
30
Years Left
1:5
1 in X

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1 in 4 disabled before retirement Manual labor = higher risk Buy while healthy 60% income replacement typical

Key figures
22%
Your Risk
Key figure
30
Years Left
Key figure
1:5
1 in X
Key figure

Ready to run the numbers?

Why: Income is your most valuable asset. Disability insurance protects earning power.

How: Enter age, retirement age, occupation, health. See adjusted disability probability.

1 in 4 disabled before retirementManual labor = higher risk
Sources:SSA Disability

Run the calculator when you are ready.

Estimate Risk

Disability Chances Calculator

Estimate disability probability

Sample Scenarios

Your Profile

Your age now
years
When you retire
years

Disability Risk: 22%

About 1 in 5 people with your profile become disabled before retirement

Your Risk

22%

Base Risk

25%

Years Left

30

1 in X Odds

1:5

Risk Assessment

Your Profile

Current Age35 years
Retirement Age65 years
Years to Work30 years
Occupationoffice
Health Statusgood

Risk Assessment

Base Risk25%
Occupation Adjustment-3%
Health Adjustment0%
Your Disability Risk22%

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Estimates only — not an insurance quote or offer. Contact a licensed agent for actual rates.

💡 Money Facts

📊

1 in 4 workers disabled before retirement.

— SSA

✅

Own-occupation pays if you can't do your specific job.

— Policies

What is Disability Probability?

Estimates chance of disability before retirement. Base ~25% (SSA). Adjusted by occupation, health, years to retirement.

How It Works

Base 25%. Labor +10%, active +5%, office -3%. Excellent -5%, fair +8%, poor +15%. Age adjustment.

Key Takeaways

  • • Income is your most valuable asset
  • • Disability insurance protects earning power
  • • Buy coverage while healthy

Did You Know?

1 in 4 disabled before retirement. Average disability 2.5 years. Illness causes more than injury.

Expert Tips

  • • Own-occupation definition
  • • 60% income replacement
  • • After-tax premiums = tax-free benefits

Group vs Individual

Group may be insufficient. Individual portable, customizable. Consider supplementing.

FAQ

STD: 3–6 months. LTD: beyond. Elimination period affects premium.

Disclaimer: Estimates based on actuarial data.

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