What are YOUR chances of not being able to earn an income?

We call it your Personal Disability Quotient. It's a way to calculate your odds of an injury or illness that could force you to miss work for weeks, months, even years.

Why is your PDQ so important? Because your income is important! How else will you afford all the things that are important to you – your home, your family's lifestyle, your children's education, your own retirement?

The likelihood of you becoming sick or injured and unable to work is higher than you probably imagined. The PDQ is an easy way to calculate your own personal odds and discover what's really at stake. Then we'll give you some tips on how you can prevent disability from downgrading your lifestyle and devastating your savings.

Download the Printable Personal Disability Quotient (PDQ) Calculator