Relatively few Americans have disability insurance, a fact that Northwestern Mutual describes as troubling in a recent study on worker income and benefits.

Seventy percent of Americans derive their income principally from a paycheck, rather than retirement income or investments. But a large percentage of those who depend on being healthy to make money are not doing much to protect for unexpected events that might threaten their health, and therefore, their income.

Sixty-nine percent of those surveyed do not have a policy that will guarantee them income in the event of an injury or illness. And yet, noted Northwestern Mutual, the average U.S. worker has a 25 percent chance of enduring a disability that keeps him or her off the job for at least three months.

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