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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

  1. Overview
  2. Methodology & Highlights
  3. Beliefs About Disability
  4. Overall Odds of Disability
  5. Causes of Disability
  1. Protection Against Disability
  2. Duration of Disability
  3. Preparation for Disability
  4. Income Sources in Event of Disability
  5. Conclusion

Preparation for Disability

90% of respondents rated their ability to earn an income as “valuable” or “very valuable.”

While nearly all employees say their ability to earn an income is important, fewer than 40% have thought about protecting it.

Clearly, workers highly value their ability to earn an income. In fact, almost all respondents rated this ability as more valuable than other financial resources which help them achieve financial security, including retirement savings, personal possessions, homes and medical insurance.

When asked about how they’ve prepared for a potential disability, survey respondents generally admitted that they’ve not taken much action to prepare.

  • The most common answer, given by 37% of the respondents, was “I’ve never really thought about it.”
  • Only 22% said they don’t think about it because they have disability insurance.

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Charts & Graphs

Charts and graphs

Research has shown that many individuals prefer to receive information graphically rather than from numbers or written text. The charts and graphs below were derived from various sources, including CDA studies. Please feel free to download and print the charts and graphs to support your needs, and help support our mission to raise awareness of the risk of disability through education and public awareness.

Infographic: The Disability Disconnect
Download our handy infographic highlighting the risk, causes and consequences of disability, and how wage earners’ perceptions differ from the reality.

Download PDF for electronic use
Download PDF for print – letter size
Download individual chart images 

1. Preparing for Disability – Protect Your Income

  • Americans not protecting income against disability (JPG | PDF)
  • Employees do not feel prepared financially (JPG | PDF)
  • How long can you pay bills if disabled? (JPG | PDF)
  • Income is most valuable in achieving long-term financial security
    (JPG | PDF)

2. Disability Divide: Worker Research Study

  • Disability can happen at anytime (JPG | PDF)
  • Percent who could pay the bills with no income (JPG | PDF)
  • Percent who believe disability typically lasts “X” amount of time (duration) (JPG | PDF)
  • What employees value (financial resources) (JPG | PDF)
  • Where would the money comes from to pay bills if disabled? (JPG| PDF)

3. CDA Annual Long Term Disability Claims Review (2014)
This section last updated June 13, 2014

4. Social Security Disability Insurance (SSDI) Data
This section last updated June 13, 2014

  • Average monthly SSDI benefit by gender (View Chart)
  • Average monthly SSDI benefit by age (View Chart)
  • Percent of covered workers by age – 10 year comparison (View Chart)
  • Diagnostic causes of new SSDI awards (View Chart)
  • Number of SSDI applications, number approved (View Chart)
  • New SSDI awards as a percentage of applications (View Chart)
  • SSDI historical payment data (View Chart)
  • Fifteen year SSDI trends (View Chart)

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