Study shows critical need for workplace disability insurance

photo Unum CEO Tom Watjen

BY THE NUMBERS• 39 - Percent of private industry workers with employer-provided short-term disability insurance• 33 - Percent of private industry workers with employer-provided long-term disability insurance• 650,000 - Number of disabled workers who got employer-sponsored long-term disability insurance benefits in 2012• $18 - Average monthly payment for short-term disability coverage• $25 - Average monthly benefit for long-term disability coverageSources: Mathew Greenwald & Associates survey, U.S. Bureau of Labor Statistics

After two back surgeries in the past five years, Dawn-Michelle Wyzard lost 14 months of pay from her job as a data processing manager in suburban Louisville.

But unlike a majority of American workers, Wyzard did have employer-sponsored disability insurance so she was able to pay her bills without her regular paycheck.

"There