Only abut 43% of workers in their 20s and 30s say they know how they would pay living expenses if they suffered an income-limiting disability.

Researchers at the Council for Disability Awareness, Portland, Maine, have published that finding in a summary of results from a Web-based survey of 1,448 working adults ages 21 to 65.

About 59% of the older workers surveyed said they know how they would pay for living expenses if they became disabled, the CDA researchers write.

Only 28% of workers at employers that offer disability benefits say they understand the benefits well, and 91% say they do not understand the Social Security Disability Insurance program very well, the researchers write.