Many U.S. workers lack disability insurance, but many who have group coverage may not know that they have it.

Researchers have reported that possible gap in a review of results of a recent survey of 1,028 employees ages 18 and older at companies with at least 50 full-time employees and a second survey of 1,400 benefits decisionmakers.

About 60% of the workers identified “having financial security if a wage earner can no longer work due to a disability or serious illness” as a top concern, and only 21% say employers are addressing that concern, Prudential researchers report.

More than two-thirds of employers with more than 50 employees offer group long-term disability coverage, the researchers note.

In many cases, “employees simply don’t make the connection between income replacement and their group disability plan,” the researchers contend.

When the survey team asked workers to allocate $100 hypothetical benefits dollars to 7 employee benefits, employees allocated almost $50 to retirement savings, $19 to medical benefits, $7.53 to dental benefits, $7.50 to long term care insurance, $6.26 to life insurance, $4.84 to disability insurance and $4.63 to vision care insurance.