---
title: "Disability Insurance: What You Don’t Know CAN Hurt You"
description: Are you likely to need disability insurance during your career? Surprising facts concerning risks of inadequate disability insurance.
---

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# [Disability Insurance: What You Don’t Know CAN Hurt You](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-Reading-PA/bid/180075/Disability-Insurance-What-You-Don-t-Know-CAN-Hurt-You)

 Written by [David Ross](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/author/david-ross) | Tue, May 28, 2013

According to a May 2013 report by the non-profit Council for Disability Awareness (CDA), there is a sharp mismatch between the high value employees place on their ability to earn a living vs. their financial preparedness to handle a disability that would threaten their income as evidenced by having adequate levels of disability insurance.

## **Most are Ignorant of the Real Need for Disability Insurance**

The report titled “Disability Divide: Employer Study” is based on a 2012 survey of over 500 human resources professionals. The key findings, as reported by the [Insurance Word Blog](http://www.lifehappens.org/the-disability-divide-misconceptions-that-could-be-costly/), are as follows: 

### **Surprising Disability Insurance Statistics**

The post goes on to quote some surprising statistics from the CDA’s Personal Disability Quotient calculator:

### **Key Takeaways**

Americans are much less protected against income loss than in the past due to several factors, including:

## **What to do About Disability Insurance**

Given these facts, the only wise course of action is to acquire the proper level of disability insurance to cover the gap between your current savings and the funding that would be needed to cover your financial needs during a long-term disability. If you are a business owner, the risks of inadequate disability insurance may be even greater due to the financial consequences of being unable to work.

### **We’re Here to Help if Needed**

If you have questions on how to determine the right level of disability insurance you need to protect both you and your loved ones, then please contact us at **610-947-1270**, or ***[Contact Us](https://www.aigltd.com/contact/)*** online.

[View full post](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-Reading-PA/bid/180075/Disability-Insurance-What-You-Don-t-Know-CAN-Hurt-You)

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