Credit card companies have a stake in making sure that young workers have some kind of disability insurance, according to researchers at Unum Group Corp.

When the researchers at Unum, Chattanooga, Tenn., commissioned a survey of 1,353 U.S. adult consumers, they found that 16% of the “Generation Y” participants without disability insurance said they probably would cope with a disabling illness or injury by borrowing from credit cards.

Unum researchers classified participants ages 18 to 30 as being in Generation Y, and participants ages 44 to 62 as baby boomers.

About 39% of Gen Y participants without disability coverage said relying on savings would be one of two likeliest options if they could not work, and 33% said they likely would borrow from friends and family. But many said they would depend on credit cards – even though the card companies have been slashing credit limits in recent months.

About 49% of the boomers without disability coverage said they would rely on savings, 40% said they would rely on a partner’s earnings, and 15% said they were not sure what they would do.

Only 1% of the Gen Y participants and 5% of the boomers ranked owning disability insurance as one of their top 4 financial priorities.

About 57% of Gen Y participants ranked dining out and entertainment as a high financial priority, and 32% of boomers ranked paying for vacations as a high priority.