WHAT HAPPENS TO YOUR INCOME WHEN A DISABILITY STRIKES? No one likes to think about it, but the odds are high of suffering long-term disability at some time during income producing years. Here are the chances, at various ages, of being struck before age 65 by at least one disability lasting more than 90 days.   Age           Chances* 25                 53.7% 30                 52.2% 35                 50.3% 40                 47.7% 45                 44.3% 50                 39.4% *Source: Commissioner's Disability Table THE NUMBER WHO WILL BE  DISABLED PRIOR  TO AGE 65  OUT OF 1,000 PEOPLE AT AGE: 25         522 - 1 out of 2 30         505 - 1 out of 2 35         480 - 4 out of 9 40         446 - 4 out of 9 45         401 - 2 out of 5 50         342 - 1 out of 3 55         266 - 1 out of 4 60         160 - 1 out of 6 AVERAGE DURATION OF DISABILITIES LASTING DISABILITIES OF 90 DAYS OR MORE AGE         DURATION ------------------------------------------------------ 25                     2.6 years 30                     2.6 years 35                     2.5 years 40                     2.3 years 45                     2.3 years 50                     2.3 years 55                     2.3 years *Source: Commissioner's Disability Table