Probability of Disability in Relation to Probability of Death
A disability’s financial implications can be even more disastrous than that of a premature death. Death is certain to occur at some point, while disability may never occur. However, for most people death occurs after the income earning years. During one’s income earning years, when the financial impact is more strongly felt, disability is a greater threat and more likely to occur.

Probability of Disability vs. Death

Age

Ratio

30
2.31 to 1
35
2.21 to 1
40
1.95 to 1
45
1.69 to 1
50
1.53 to 1
55
1.33 to 1

Source: 1985 Commissioners’ Disability Individual Table A and 1980 CSO Mortality Table

More statistics:

For more statistics about disability check these pages:

Disability statistics  
Disability insurance facts  
How long do disabilities last on average?  
Likelihood of death versus a long term disability  
What is the likelihood of disability occurring?  
See recent examples of actual disability insurance claims  
   
   
   
   

 



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Copyright © 2005 Oleg Skurskiy Authorized Independent Agent, CA License 0E50389