Many Americans are doing without disability insurance, often because it’s not offered by their employer, according to a new survey by OneAmerica and the Harris Poll. OneAmerica, an insurance and financial services company based in Indianapolis, found that only 34 percent of employees surveyed say they have disability insurance.

The survey of 2,100 U.S. adults, revealed that among employed Americans who do not have short- or long-term disability insurance provided by their employer, 43 percent say the reason is because their employer does not offer it.

Only 14 percent say the reason they don’t have it is because they cannot afford coverage; a combined 34 percent don’t have policies through their employer due to other obligations or expenses they feel are higher priorities (12 percent), don’t see the value (12 percent), or say “I am healthy and don’t need it” (14 percent).