Although the majority of younger, working adults appreciate the need for life insurance, they may not be as aware of the even greater need for disability insurance. In a given year, the odds of becoming disabled are actually much higher than dying for most workers. In fact, one out of every seven workers will suffer a five-year or longer period of disability before age 65, and for those over 35, the chances of experiencing a three-month or longer disability before age 65 are a whopping 50%.