Questions surround the recent information reported from the disabilitiy insurance industry — do you really have an 80% chance of becoming disabled during your working years? The odds of an injury or illness that would keep you out of work for more than three months range wildly, depending on where you look for guidance.
While reports indicate that another disabling injury occurs every second, it has been noted that "disabling" has been defined quite loosely. The fact remains that there is significant risk — quite often workers don't pay enough attention to the reality of disability. You might take the Personal Disability Quotient quiz on the Web site of the Council for Disability Awareness. Then you can decide what you might need with regard to social security disability insurance.