U.S. workers seem to think that they have more public and private disability insurance than they actually have.

Researchers at the Life and Health Insurance Foundation for Education, Arlington, Va., come to that conclusion in an analysis of results from a recent survey of 520 working U.S. residents.

Survey workers asked participants what sources of financial support they would turn to if they were to become disabled for 1 year or more.

About 35% of the participants said they would depend on employer-sponsored disability insurance; 31% on government-provided benefits; 13% on workers’ compensation; and 11% on individual disability insurance.

In the real world, only 30% of U.S. workers have employer-sponsored long-term disability insurance, and qualifying for the federal Social Security Disability Insurance program is extremely difficult, LIFE researchers report.

Workers’ comp is often minimal and covers only about 10% of disabilities, and only about 4% of U.S. workers have individual disability insurance, the researchers warn.