3. There is a 90 percent likelihood that at least one of the four individuals will be disabled for at least 90 days prior to age 65. At younger ages the probability is even higher, but at older ages the probability is slightly lower because of the shorter exposure period. The larger the number of persons, the higher the likelihood that at least one will become disabled.

5. Employer-provided disability coverage may be short-term coverage only. An individual can usually obtain long-term coverage and can keep it in force even if the employer drops coverage or the individual changes employers.

8. The components are usually the predisability income (denominator) and the lost income (numerator) derived by subtracting the income earned during residual-benefit eligibility from the predisability income. Sometimes there will be an inflation factor adjustment applicable to the predisability amount.