In 1982, 8.9 percent of the U.S. population was considered work disabled. Our chances of becoming work disabled increase with age. Being work disabled means that a person has some limiting condition that restricts the employment options available. The employment restriction may be either total or partial. A partial employment restriction means that some employment is possible if the disabled person can find a suitable job.
Occupations do exist in which a person with a disability can find employment.
A disabled person able to work at some productive activity is a part of the labor force. Unfortunately, not only do our chances of being work disabled increase with age, our chances of finding gainful employment, if work disabled, decrease with age. Such planning will help ensure that the goals of the family remain attainable. Disability income need determination To determine your family need for disability insurance, first determine the amount of income the family would need if an income earner become disabled. This figure represents the amount the family needs after paying all income and Social Security taxes.