Only about half of Gen Y workers—those ages 21-31—have any income protected with disability insurance despite the fact most live paycheck to paycheck, according to MetLife research collected from the company’s 10th annual study of employee benefits trends. 

“A disability is not selective—it can happen to anyone, at any time. If you have people who depend on your income—or if you depend on your income—you need disability insurance,” says Clea Barth, vice president, individual disability insurance for MetLife.

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