According to the 9th Annual MetLife Employee Benefit Trends Study, only 50 percent of employees aged 21 to 30 have disability insurance.

Why is this? Many young workers probably fall into one of these categories – they feel invincible, they are not aware of the potential of becoming disabled, they don't understand the impact a disabling illness or injury can have on their ability to earn a paycheck, or they might simply assume they can't afford the cost of obtaining insurance. Regardless, even the young and the healthy are not immune to disabling conditions.

An analysis of MetLife's disability claims data from 2010 finds that 10 percent of all short-term disability claims approved were for men ages 21 to 30 and 22 percent of short-term disability claims approved were for women ages 21 to 30.

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