According to the 1985 commissioners individual table A, the probability of a male age 30 becoming disabled for 90 days or more before age 65 is about 1 in 3, and for age 35 it is a little more than 30 percent, and for age 40, it is a little under 30 percent. For females, the probability of becoming disabled for at least 90 days before the age of 65 is better than 50 percent for ages 30 and 35 and about 45 percent for age 40.

Consider the fact that if you saved about 10 percent of your income per year for 5 years, you have roughly 50 percent of a year's income in savings.

A disability for 6 months could wipe out nearly 5 years of savings.

And of course, there's no guarantee the disability would be over in 6 months; it could last for years.

Now, if we look more closely at the same table, we can see that for a 30 year old for whom a disability lasts at least 90 days, the average length of disability is 2 years and 8 months. For a 35 year old, it is about 3 years and 1 month, and for a 40 year old it is 3 years and 6 months. This is important and I will repeat it. If you are disabled for at least 90 days between the ages of 30 and 40, your disability will last anywhere from 2 years and 8 months to 3 years and 6 months on average. Remember before when I mentioned that a 6 month disability could wipe out 5 years of savings? How much would a 3 year disability wipe out? How much do you have saved right now? … Would you want your entire savings to be wiped out by an extended disability? What would you do if you did not have enough saved?

Data from the table I have referred to can be found in this web site. On the bottom of the navigation bar click on the Information Center, then click on the Need for Disability PDF at the top of the page under Resources - the data is on page 1 and page 2.

At disability insurance.com, the focus is on the value and the quality of disability insurance products. While we believe that group long term disability is certainly better than nothing, our web site explains in detail the differences between a group disability insurance policy and individual disability income insurance policies. While we hope that all of our clients never need their disability insurance, we want to know that should any of them need it, they will have excellent protection. The old saying "you get what you pay for" certainly applies for disability insurance as well as most everything else in life.

We also believe that most individuals have not adequately prepared for and protected themselves from a disability. It is our goal to help you make an educated and informed choice when selecting disability insurance products. We do everything in our power to help you get outstanding disability insurance and to make the process of acquiring it easy and convenient. These audio presentations are here to help you learn more about disability insurance in general and why we believe ProVider Plus is, in most cases, the disability insurance product of choice.