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If you are totally disabled before age 65, here are the chances of a disability lasting 90 days or longer:
In addition, if your disability does last 90 days, the average length of a disability will be:
| Age | Duration | Age | Duration |
|---|---|---|---|
| 25 | 2.1 years | 45 | 3.2 years |
| 30 | 2.5 years | 50 | 3.1 years |
| 35 | 2.8 years | 55 | 2.6 years |
| 40 | 3.1 years | 60 | 1.6 years |
Where will the money to live on come from if you're disabled?
| Sources Of Money | The Problem |
|---|---|
| Savings... | If you saved 5% of your income each year, six months of total disability could wipe out ten years of savings |
| Borrow... | You might have difficulty securing a loan when you're disabled. And where will the money come from to repay the loan? |
| Spouse Works... | Can one person be spouse, parent, private nurse, and employee all at the same time? |
| Liquidate Assets... | Can you get fair market price when you are forced to liquidate? |
| Disability Income Plan... | If you qualify |
The only logical answer: An adequate amount of disability income protection.
The objective of the disability needs analysis is to help you answer:
- How much money will you and your family need when you are disabled?
- Where will that money come from?