Now more than ever, employers and employees alike recognize the importance of having disability income protection. 

Research by the U.S. Census Bureau and Cornell University clearly illustrates how having a disability can negatively affect a person’s employment status and income. In 2007, the percentage of working-age people with disabilities working full-time/full-year in the US was 21.2 percent, as compared to 56.7 percent among the non-disabled—a difference of 35.5 percentage points... [668 word article, September 2009]