Disability Coverage Gaps by Wage and Firm Size (2024)

Workers in small businesses are less than half as likely to have disability coverage as those in large companies, creating unequal exposure to denied benefits.

This chart shows how access to disability insurance varies by wage level and employer size. Lower-income and small-firm employees, those most likely to experience workplace injury, also have the weakest benefit protection, leaving them more vulnerable to denials and income loss.
Chart: J. Price McNamara Source: BLSGet the dataCreated with Datawrapper