Here’s what the numbers from our latest report say:
Read the full report, Futureproofing Your Income: The role of disability insurance in financial wellness, to learn more.
Disability insurance
The blueprint for income protection
Your blueprints don’t just bring ideas to life — they ensure safety, stability, and a vision for the future. But have you created a blueprint for your own financial strategy?
If an illness or injury kept you from working, how long could you or your family afford to go without your paycheck? Your income funds every part of your life — from your mortgage to your next big idea. And yet, most Americans aren’t financially prepared for the unexpected.
1 in 4
of today’s 20-year-olds will be out of work for at least a year due to a disabling condition before retirement.
73%
of workers who were out for 9+ months said it had a major or devastating financial impact.
38%
of people who were out of work due to disability had to withdraw from savings, investments, or retirement accounts.
7–10%
of all claims are now mental health-related disability claims.
NCARB Releases Latest Data on Architectural Licensure, NCARB, July 2025
Material discussed is meant for general informational purposes only and is not to be construed as tax, legal, or investment advice. Although the information has been gathered from sources believed to be reliable, please note that individual situations can vary. Therefore, the information should be relied upon only when coordinated with individual professional advice.
Individual disability income products underwritten and issued by Berkshire Life Insurance Company of America (BLICOA), Pittsfield, MA or provided by Guardian. BLICOA is a wholly owned stock subsidiary of and administrator for the Guardian Life Insurance Company of America (Guardian), New York, NY.
Product provisions and availability may vary by state. Optional riders are available for an additional premium. Some policy benefits and features are not available to all occupations. Individual disability insurance policy form 18OE is underwritten and issued by Berkshire Life Insurance Company of America, (BLICOA) Pittsfield, MA. BLICOA is a wholly owned stock subsidiary of The Guardian Life Insurance Company of America, New York, NY. Product provisions and availability may vary by state.
