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New Survey Finds Overwhelming Majority of Working Americans Not Financially Prepared for Disability, Would Rely on Sources Other than Themselves for Support
Date:5/12/2008

on misconceptions and encourage people to evaluate their disability insurance coverage needs:

-- 35% say they would rely on employer-sponsored disability insurance

coverage if they were to become disabled for one year or more. While

coverage provided by employers is the main source of disability income

protection in the United States, most employers don't provide

disability insurance as an employee benefit. According to the U.S.

Department of Labor, less than 30 percent of U.S. workers have access

to long-term disability coverage through work and only about 37

percent have access to short-term disability coverage. Short-term

coverage typically pays a significant portion of your income for up to

90 days, while long-term coverage pays 40 to 60 percent of your base

pay (before taxes) for longer periods. Even if you're fortunate enough

to have both types of group coverage through your employer, you need

to make sure that it would be sufficient to satisfy your income

replacement needs. If your employer doesn't provide group coverage, it

may offer disability insurance through what is called a voluntary

program. Check with your human resources administrator to see what

coverage and purchase options your company plan provides.

-- 31% say they would rely on government-provided benefits. According to

the Social Security Administration, in 2005 roughly 60 percent of

people who applied for Social Security disability benefits were

initially denied. Eligibility depends not on whether or not you can

perform the functions of your occupation but if you are able to work

at all, and if your condition is expected to last a year or more or to

result in death. If you do qualify, it takes five months or longer for

benefits to kick in and
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SOURCE LIFE Foundation
Copyright©2008 PR Newswire.
All rights reserved

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