DISABILITY BENEFITS

According to the U.S. Census Bureau, approximately one-fifth of all Americans have a disability.

Before reaching age 65, one out of every five American workers will experience a disability that impairs their ability to work for more than six months, and approximately one in seven will be disabled for a period of five years or more. Even more alarming, in the 35 to 65 year age group, 30% of those working individuals will experience a disability that lasts at least 90 days, and one-fifth of that age group will be disabled for five or more years.

What do these people do when they cannot work? How do they support themselves and their families? The lucky ones will be able to turn to a variety of private, employer-sponsored and government disability benefits to support themselves and their families during the periods they are incapable of working. Sources of these disability benefits include: