Many U.S. adults who earn more than $100,000 per year lack disability insurance.

Researchers at Country Insurance & Financial Services, Bloomington, Ill., have published data on gaps in disability coverage in a summary of results from a recent survey of 3,000 U.S. adults.

When survey crews asked participants to compare the value of homeowners insurance, auto insurance and disability insurance, only 22% identified disability insurance as the most important type of insurance.

About 31% of African-American participants said disability insurance is the most important type of coverage, and they were the members of the only major subgroup in which more than 30% of the participants assigned the top-importance rating to disability coverage.

Higher income participants were more likely to have group or individual disability coverage than lower-income participants. But, even in the top income category, for participants with incomes over $100,000, only 71% of the participants said they had either group or individual disability coverage, and 14% said they either had no disability coverage or were not sure whether they had disability coverage.