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1. Overview
2. Highlights & Methodology
3. Beliefs About Disability
4. Overall Odds of Disability
5. Causes of Disability

6. Duration of Disability
7. Income Sources in Event of Disability
8. Preparation for Disability
9. Interest in Income Planning
10. Conclusion

While nearly all consumers say their ability to earn an income is most important, 37% say they have never really thought about protecting it.

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

• Only 22% said they don’t think about it because they have disability insurance.

Advisors significantly overestimate how many consumers believe they could rely on their own resources, the government or insurance.

Advisors tend to think consumers are more “in denial” than they really are. Across all statements below, advisors expected twice as many consumers to deny their own risk of disability, minimize their need for protection or claim access to adequate resources if necessary. So consumers are likely feeling less confident and in control than they’re projecting – or than advisors are assuming.