A system for predicting failure of a disk that is configured to store digital data, the system comprising: an information processing system (100, 702) including a processing device and a memory device coupled to the processing device, the memory device containing a set of instructions that, when executed by the processing device, cause the processing device to: receive health status data from a monitor that measures health status of the disk, the health status data including factor values associated with a plurality of respective disk failure factors; receive an overall factor weight assigned to each disk failure factor, the overall factor weight indicating a contribution of an associated disk failure factor in predicting failure of the disk; receive, for each disk failure factor, a weight factor assigned to each bin of a set of bins, each bin having an assigned range of factor values, the weight factor assigned to each bin of the set of bins indicating a probability of disk failure based on empirical results; for each disk failure factor, determine a bin having an assigned range of factor values that includes the associated factor values included in the health status data; for each disk failure factor, determine the weight factor assigned to the bin determined; determine a total failure value for the disk that is indicative of predicted risk of failure based on, for each disk failure factor, the weight factor determined and the overall factor weight assigned, and determine the weight factor assigned to each bin using a three dimensional matrix, wherein the matrix is defined by separate first, second and third two-dimensional tables, the matrix including disk failure factor 302 shown along a first axis, bins shown along a second axis, and an umbrella failure factor shown along a third axis, wherein the first two-dimensional table includes weight factors entered corresponding to disk failure factors versus bins, the second two-dimensional table includes weight factors entered corresponding to bin weights using umbrella failure factors versus disk failure factors and the third two-dimensional table includes weight factors entered corresponding to umbrella failure factors versus bins. receive health status data from a monitor that measures health status of the disk, the health status data including factor values associated with a plurality of respective disk failure factors; receive an overall factor weight assigned to each disk failure factor, the overall factor weight indicating a contribution of an associated disk failure factor in predicting failure of the disk; receive, for each disk failure factor, a weight factor assigned to each bin of a set of bins, each bin having an assigned range of factor values, the weight factor assigned to each bin of the set of bins indicating a probability of disk failure based on empirical results; for each disk failure factor, determine a bin having an assigned range of factor values that includes the associated factor values included in the health status data; for each disk failure factor, determine the weight factor assigned to the bin determined; determine a total failure value for the disk that is indicative of predicted risk of failure based on, for each disk failure factor, the weight factor determined and the overall factor weight assigned, and determine the weight factor assigned to each bin using a three dimensional matrix, wherein the matrix is defined by separate first, second and third two-dimensional tables, the matrix including disk failure factor 302 shown along a first axis, bins shown along a second axis, and an umbrella failure factor shown along a third axis, wherein the first two-dimensional table includes weight factors entered corresponding to disk failure factors versus bins, the second two-dimensional table includes weight factors entered corresponding to bin weights using umbrella failure factors versus disk failure factors and the third two-dimensional table includes weight factors entered corresponding to umbrella failure factors versus bins.