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A pension scheme plavix generic Disability insurance tends to be one of the more overlooked forms of insurance, particularly by young people, even though consumer advocates generally agree it’s an essential way for people to protect themselves from unexpected illness, accidents or other problems that prevent them from working. According to The Hartford Financial Services Group, 57 percent of Gen Y workers, who are in their 20s and early 30s, buy life insurance, but just 45 percent have short-term disability insurance, and even fewer – 39 percent – have long-term disability insurance. Meanwhile, the Social Security Administration estimates that the average 20-year-old worker faces a 3 in 10 chance of being disabled at some point before age 65.