Fewer than half of mothers who work outside the home have any disability insurance.

Researchers at Hartford Financial Services Inc., Hartford, have published that finding in a summary of results from a recent survey of 971 U.S. men and women ages 18 to 65.

Only 47% of the participants from households that include mothers who are working outside the home said the mothers have short-term disability insurance, and only 37% of the participants from those households said the mothers have long-term disability insurance.

The working mothers were less likely to have disability insurance than the working fathers, possibly because the typical working mother had annual earnings of $25,000 to $50,000, compared with a typical earnings range of $50,000 to $100,000 for the working fathers, the Hartford researchers report.

A majority of male and female participants ages 18 to 39 said they would be more likely to make sure that working mothers had disability coverage if they knew that pregnancy is the leading reason for women to file disability claims, the researchers report.