While many Americans tend to avoid talking about or obtaining a disability insurance policy, the rate of disability in the U.S. has shown how risky it is to be without a disability insurance plan. According to a report by the Rehabilitation Research and Training Center on Disability Statistics and Demographics, 12.6% of Americans are living with a disability—that is a whopping 41.1 million of the 328.2 million that make up the total population. Although the rate varies between age groups, 51.1% of Americans with disabilities are within the working ages of 18-64 years old.
The report also showed that disability conditions have been responsible for many people’s standard of living as the employment percentage gap between those with a disability and those without is over 40%. Moreover, more than one out of five U.S. civilians with a disability within the age group are living in poverty.