Health concerns loom large in employees’ minds, particularly the financial aspects — which can be catastrophic. But while many of those concerns could be allayed by disability insurance, employees don’t seem to know enough about it to benefit.

That’s according to Lincoln Financial’s special report “M.O.O.D. (Measuring Optimism, Outlook and Direction) of America on Employee Benefits,” which found that only 18 percent of employees feel very confident that they could pay the resulting bills if they were struck by serious illness or injury.

And those employees are definitely worried: Approximately half of American employees fear cancer, while 31 percent are afraid of heart attacks and chronic illnesses. Another 28 percent are afraid of what car accidents could do.