Call Now!
(361)994-8927

Disability Statistics
    Number per  
Class One every - Hour Day Week 2004 total
All 1 second 2,650 63,600 446,200 23,200,000
Motor vehicle 13 seconds 270 6,600 46,200 2,400,000
Work 9 seconds 420 10,100 71,200 3,700,000
Workers off-the-job 5 seconds 780 18,600 130,800 6,800,000
Home 4 seconds 1,030 24,700 173,100 9,000,000
Public nonmotor vehicle 4 seconds 940 22,500 157,700 8,200,000

Source: National Safety Council.

Average New Long Term Disability (Ltd) And Short Term Disability (Std) Claim Submissions, 2004
Average New Long Term Disability (Ltd) And Short Term Disability (Std) Claim Submissions, 2004

(1) Excludes AIDS/HIV.

Source: JHA, Inc., 2004 Disability Rate Study & Risk Management Survey.

Long Term Disability And Short Term Disability Claim Incidence Rates, 2002-2003


  Median number of submitted claims (received from policyholder) per 1,000 insured lives:
  Long term disability Short term disability
2002 5.9 64.6
2003 5.9 63.5
Source: JHA, Inc., 2004 Disability Rate Study & Risk Management Survey.

Average Disability Duration, 2004 (1)
Average Disability Duration, 2004 (1)

Individual Disability Income, Issues And In Force, 2003 (1)


ISSUES (2)
Noncancelable disability income  
     Total sales ($000) $280,001
     Premium growth rate (%) -1%
     Policy growth rate (%) -3
     Premium per policy ($) $1,341
   
Guaranteed renewable disability income  
     Total sales ($000) $88,744
     Premium growth rate (%) -1%
     Policy growth rate (%) -6
     Premium per policy ($) $599
   
Commercial disability income  
     Total sales ($000) $4,605
     Premium growth rate (%) -14%
     Policy growth rate (%) -9
     Premium per policy ($) $304
   
Total disability income  
     Total sales ($000) $373,349
     Premium growth rate (%) -1%
     Policy growth rate (%) -5
     Premium per policy ($) $1,003
   
IN FORCE (3)  
Noncancelable disability income  
     Total sales ($000) $3,339,112
     Premium growth rate (%) 3%
     Policy growth rate (%) 2
     Premium per policy ($) $1,277
   
Guaranteed renewable disability income  
     Total sales ($000) $490,479
     Premium growth rate (%) 5%
     Policy growth rate (%) -1
     Premium per policy ($) $466
   
Commercial disability income  
     Total sales ($000) $55,197
     Premium growth rate (%) 0%
     Policy growth rate (%) -5
     Premium per policy ($) $310
   
Total disability income  
     Total sales ($000) $3,884,787
     Premium growth rate (%) 4%
     Policy growth rate (%) 0
     Premium per policy ($) $1,010

NA = Not applicable.

(1) LIMRA survey results based on 28 companies.  Growth rates are percent change, 2002-2003.
(2) New sales.
(3) Total book of business.

Source: LIMRA International.

Group Disability Income, Sales And In Force, 2003 (1)


SALES (2)
Short-term disability  
     Master contracts (number) 32,590
     Certificates (number) 3,988,359
     Annualized premium ($ millions) $1,021
Long-term disability  
     Master contracts (number) 40,453
     Certificates (number) 5,113,794
     Annualized premium ($ millions) $1,433
   
IN FORCE (3)
Short-term disability  
     Master contracts (number) 206,480
     Certificates (number) 22,493,335
     Total premium collected ($ millions) $4,484
Long-term disability  
     Master contracts (number) 235,478
     Certificates (number) 35,680,110
     Total premium collected ($ millions) $8,148

(1) LIMRA survey results for approximately 40 companies.  Excludes reserve buyouts.
(2) New sales.
(3) Total book of business.

Source: LIMRA International.

TOP TEN LONG-TERM DISABILITY INSURANCE CARRIERS BY SALES PREMIUMS, 2009

($ millions)

Rank Company Premiums Market share
1 Hartford Life $223.9 14.6%
2 Unum 182.1 11.9
3 Prudential 130.1 8.5
4 CIGNA 128.2 8.4
5 Liberty Mutual 108.6 7.1
6 Sun Life Financial 104.9 6.8
7 Aetna 104.1 6.8
8 Lincoln Financial Group 97.3 6.3
9 Standard (The) 95.3 6.2
10 MetLife 92.5 6.0

Source: JHA, Inc., 2009 U.S. Group Disability Market Survey.

View Archived Tables:
TOP TEN LONG-TERM DISABILITY INSURANCE CARRIERS BY SALES PREMIUM, 2008

TOP TEN LONG-TERM DISABILITY INSURANCE CARRIERS BY SALES PREMIUMS, 2009

($ millions)

Rank Company Premiums Market share
1 Hartford Life $223.9 14.6%
2 Unum 182.1 11.9
3 Prudential 130.1 8.5
4 CIGNA 128.2 8.4
5 Liberty Mutual 108.6 7.1
6 Sun Life Financial 104.9 6.8
7 Aetna 104.1 6.8
8 Lincoln Financial Group 97.3 6.3
9 Standard (The) 95.3 6.2
10 MetLife 92.5 6.0

Source: JHA, Inc., 2009 U.S. Group Disability Market Survey.

View Archived Tables:
TOP TEN LONG-TERM DISABILITY INSURANCE CARRIERS BY SALES PREMIUM, 2008