Causes of Disability Claims

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  • 90% of disabilities are caused by illnesses.
    – JHA Disability Fact Book, 2008 Edition
  • Over 85% of disabling accidents and illnesses are not work related.
    – National Safety Council®, Injury Facts® 2008 Ed.
  • While many people think that disabilities are typically caused by freak accidents, the majority of long-term absences are actually due to illnesses, such as cancer and heart disease.
    – Life and Health Insurance Foundation for Education November, 2005
  • For insured men and women in their prime working years (30-59), the medical conditions causing the most disabilities are cardiovascular problems, musculoskeletal conditions and cancer. One notable exception is the impact of pregnancy on female disability risk. Among women ages 30-39, disabilities due to pregnancy (mostly complications of pregnancy) are the most prominent claim type.
    – Millman, sponsored by Life and Health Insurance Foundation for Education (LIFE), “The Real Risk of Disability in the United States”, 2007 (
  • Stroke is a leading cause of serious long–term disability.
    – Centers for Disease Control and Prevention, 2007
  • Common causes of individual disability insurance claims are: 
  • According to Council for Disability Awareness research, the most common causes of existing long-term disability claims in 2010 included:diseases of the musculoskeletal system and connective tissue (30.1% of all existing claims), diseases of the nervous system and sense organs (13.4%), diseases of the circulatory system (12.7%) and cancer (8.4%).
    – 2011 Long-Term Disability Claims Review, Council for Disability Awareness