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CDA 2010 Consumer Disability Awareness Survey
The Disability Divide

The gap between what employees believe - and how they act - about the potential for an income - threatening disability

Duration of Disability

Nearly 70% of respondents think a disability would keep a person out of work for more than one year.

Workers surveyed believe that if a person becomes disabled, he/she will be out of work for a lengthy period of time. In fact, more than two - thirds of respondents thought that a disability would put a person out of work for a year or more. And almost one - third said that person would never return to work.

70% of employees in the private sector are not covered by any type of private long-term disability insurance.1

In fact, even when offered as a voluntary benefit by their employers, almost 40% of workers don't choose long-term disability insurance.2 And barely 30% claim to understand it very well.2

Even the likelihood of receiving government benefits from the Social Security Disability Insurance program (SSDI), which could cover a person after a severe disability that is expected to last a year or more or result in death, is dwindling. Although most private sector employees are covered by SSDI, benefits are limited.
  • The average monthly SSDI benefit amount in 2009 was $1,064, with 56% of recipients receiving less than $1,000 per month.3
  • It is very difficult to qualify for SSDI benefits. 65% of initial benefit applications were denied in 2009,3 and the appeals process can last up to four years
  • SSDI approval rates have steadily declined in recent years.4
1 Social Security Administration, Fact Sheet, Jan. 31, 2007.
2 CDA 2008 Worker Disability Planning and Preparedness
3 Social Security Administration, Disabled Worker
   Beneficiary Statistics,
4 The 2010 CDA Long-Term Disability Claims Survey.
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