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Is There A Long-term Disability After Age 65?

Last updated: October 10, 2023

Understanding the reality and nuances of long-term disability is a task that becomes increasingly critical as we age. So, what exactly is a long-term disability? It's a condition that prevents a person from performing their normal work duties for a prolonged period, typically over three months. 

This could be due to many factors ranging from physical ailments, mental health conditions to genetic disorders. Learn more about LTD after age 65 and find the right. 

Importance of Disability Insurance

One crucial aspect to consider is disability insurance. Insurance policies often serve as a financial safety net for individuals dealing with long-term disability, providing a portion of the individual's income while they're unable to work.

Disability Statistics: A Closer Look

Examining statistics provides insight into the scope and prevalence of long-term disability in those aged 65 and older.

Disability Rates Among Elderly

Statistically, the rate of disability increases with age. According to a study by the CDC, about 40% of adults aged 65 and older reported having a disability.

Expected Life Years With Disability

It's also interesting to note that, on average, an individual aged 65 could expect to live another 19.4 years, 7.8 of which may be with a disability.

Factors Impacting Long-Term Disability After 65

When it comes to long-term disability after 65, there are a variety of elements that could play a role.

Health Conditions

Certain health conditions such as heart disease, stroke, diabetes, and cancer are more prevalent among the elderly and can significantly increase the likelihood of disability.

Lifestyle Choices

Furthermore, lifestyle choices like smoking, excessive alcohol consumption, and lack of physical activity can exacerbate these health conditions and subsequently increase the chances of disability.

Genetic Factors

Genetic factors also play a vital role. Individuals with a family history of certain diseases may be more susceptible to experiencing long-term disability after 65.

Coping with Long-Term Disability After 65

Living with a long-term disability can be challenging, but there are measures that can be taken to help manage the situation.

Medical Treatment

Medical treatment and rehabilitation services can assist in managing symptoms, improving functionality, and enhancing the quality of life.

Lifestyle Adaptations

Lifestyle adaptations such as home modifications and assistive devices can promote independence and make day-to-day tasks more manageable.

Support Systems

Support systems, whether family, friends, or support groups, can provide emotional assistance and practical help in managing long-term disabilities.

Financial Considerations For Long-Term Disability

When considering long-term disability, financial planning is essential.


Disability insurance, either through a private insurer or an employer, can provide crucial financial support.

Government Assistance

Social Security Disability Insurance (SSDI) and Supplemental Security Income (SSI) can provide much-needed assistance.

Personal Savings

Lastly, personal savings and retirement funds can be a financial cushion in the face of disability.

Embracing Psychological Resilience in Navigating Long-Term Disability Post-65

It's crucial to recognize the psychological aspects of dealing with long-term disability post-65. Adjusting to this new phase of life can bring about feelings of loss, fear, and uncertainty. Hence, alongside medical and financial preparations, psychological readiness is key. Seeking professional psychological help, practicing mindfulness, and cultivating a positive outlook can greatly assist in maintaining mental health. 

Thus, the journey to navigate disability is not just about physical and financial management but also about resilience and emotional strength. This holistic approach ensures that individuals not only survive but thrive, despite the challenges of long-term disability.


1. What percentage of people aged 65 and older have a disability?

According to the CDC, about 40% of adults aged 65 and older reported having a disability.

2. What health conditions are associated with long-term disability?

Conditions like heart disease, stroke, diabetes, and cancer are often associated with long-term disability.

3. How can I prepare financially for the possibility of long-term disability?

Consider disability insurance, familiarize yourself with government assistance programs, and establish personal savings and retirement funds.

4. How can lifestyle adaptations assist with long-term disability?

Modifications such as home adjustments and assistive devices can promote independence and make daily tasks easier.

5. What support systems are available for those with long-term disability?

Family, friends, support groups, and professional care services can provide emotional and practical support.


Dealing with long-term disability after 65 can be a complex process, encompassing a range of medical, lifestyle, and financial considerations. However, through understanding, preparation, and effective management strategies, individuals can continue to lead fulfilling lives.

If you’re curious about how to report self-employment income, read more about it from our blogs at Disability Help today.

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Victor Traylor
An expert to the field of Social Justice, Victor formed Disability Help to connect ideas and expertise from the US with rising global cultural leadership, building networks, fostering collaboration, long-term results, mutual benefit, and more extensive international perception.
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