Many U.S. workers say they are too confused about disability insurance to buy the product.

Researchers at Hartford Financial Services Group Inc., Hartford, have published figures supporting that conclusion in a summary of results from a recent survey of 971 U.S. adults ages 18 to 64.

About 76% of the participants said they understand that they are more likely to suffer an injury or illness lasting for 3 months to 6 months than they are to win the lottery – but 24% said they believe they are more likely to win the lottery.

About half of the participants lacked short-term disability insurance, long-term disability insurance or both.

Although 70% gave cost or their own good health as reasons for not buying disability insurance, 22% said they did not believe they knew enough about the product to buy it, and 10% said they were barely aware or not at all aware of disability insurance.

Only 6% said talking or thinking about topics such as illness or death was their least favorite aspect of benefits enrollment, while 38% said “reading benefits material” was their least favorite part.