It may surprise you that only 14% of disability insurance claims are caused by injuries, most are caused by illness. Thus, the number of claims due to illness is six times more likely to occur than claims due to injuries. (1)
The following gives actual recent claims from a large disability insurance company. (2)
Recently Paid Claims
Occupation | Claim Onset Age | Claim Onset Date | Policy Issue Date | Disability/Diagnosis |
58 | 2003 | 1996 | Pancreatic Cancer | |
Anesthesiologist | 60 | 1999 | 1996 | Disorders involving the immune mechanism |
40 | 2004 | 1997 | Pregnancy | |
Attorney | 50 | 2001 | 1998 | Acute myocardial infarction |
| Dental Hygienist | 38 | 2001 | 1998 | Herniated disc |
| Dentist | 50 | 2003 | 1997 | Fracture of clavicle |
| Engineer | 45 | 2003 | 1999 | Lumbar intervertebral disk without myelopathy |
| Executive | 52 | 1997 | 1997 | Irritable colon |
| Executive | 42 | 1997 | 1997 | Senile and presenile organic psychotic conditions |
| Manager | 53 | 1999 | 1998 | Polymyalgia rheumatica |
| Nurse | 51 | 2001 | 1998 | Labral degeneration |
| Physician Obstetrics | 62 | 2003 | 2000 | Low back pain/strain |
| Physician | 56 | 2002 | 1999 | Monocytic leukemia |
| Sales | 39 | 2003 | 1999 | Diffuse diseases of connective tissue |
| Sales | 33 | 2003 | 2000 | Traumatic brain inju |
(1) Disability Statistics Abstract Number 16 (September 1996) Published by the Disability Statistics Rehabilitation Research and Training Center, University of California San Francisco, and The National Institute on Disability and Rehabilitation Research (U.S. Department of Education)
(2) From a major insurance company publication. Copy of publication available upon request.
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