Fifty-Two Percent of Single, Female Workers in America Have No Disability Insurance


Research Finds Majority of 32 Million Single Women Workers at High Financial Risk When Out of Work.

  • Nearly 1 in 3 single women report they are “extremely unprepared” for a disability should they lose their income.
  • Yet, more than 1 in 4 of all women workers today will experience a serious work disability before reaching normal retirement age*.

Last posted at PR Newswire

In a new survey of the awareness and ownership of disability insurance across today’s workforce, The Council for Disability Awareness (The CDA) uncovered that the 32 million unmarried women workers who make up 25 percent of today’s American workforce are drastically under-insured.

The survey found that 52 percent of all single, working women, age 20-65, have no disability insurance at all. And of those who have disability insurance, only 55 percent say they have enough.

Among all single women – whether never married, divorced or widowed – nearly 1 in 3 said they were “extremely unprepared” for any period of disability if they should lose their income. For those women without disability insurance, over half reported they never thought to get it or didn’t know enough about it.

“We’ve always known that women had higher rates of disability throughout their working careers than men, excluding pregnancy. But we were surprised to see how few single women have disability insurance or other forms of income protection, or thought to get it,” said Carol Harnett, president of The CDA. “If you’re a single woman and don’t have disability insurance through your employer or private insurance, you need to put a plan in place to get income protection coverage.”

The findings are from a new Disability Awareness Study to be released in 2019 by The CDA of over 2,200 full-time, employed consumers. The survey was conducted by Greenwald Associates and sponsored by Lincoln Financial Group, The Guardian Life Insurance Company of America, Massachusetts Mutual Life Insurance Company, MetLife Inc. and American Fidelity Assurance Company.



This report is part of a year-long campaign to raise awareness of the impact of gender, income and other influencers on consumer financial preparedness for being out of work for a period of time. The CDA will release additional reports throughout the next 12 months to further detail the crisis of inadequate disability coverage in America.

* Social Security Administration


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