Disability Insurance Basics
Is disability insurance worth it?
Disability insurance is worth it for most working adults. The Social Security Administration reports that 1 in 4 of today's 20-year-olds will become disabled before reaching retirement age. The average long-term disability claim lasts 34.6 months.
Key Points
- 1 in 4 of today's 20-year-olds will become disabled before retirement
- Average long-term disability claim: 34.6 months
- Without disability insurance: savings can be wiped out
- Social Security Disability Insurance (SSDI): average benefit $1,537/month (2026)
- Individual disability insurance: the most reliable income protection