Trending: Disability stats

Thanks to our friend Andy Linneman, we learn that:

■ More than 30 million Americans between the ages of 21 and 64 are disabled

■ 44% of employees say they have about a 1% chance of becoming disabled during their working years.

■ 60% of consumers are concerned about their ability to support themselves if they were to become disabled and unable to work

I just met with a client who, as the result of a recent stroke, has lost 95% of her hearing. She's struggling to make ends meet, and we even had to tap into her life insurance policy to help pay bills until Social Security Disability kicks in (if it ever does).

One surefire way to have prevented some of this would have been a disability insurance plan, either through work or individually.

What's in your disability plan?