What's your PDQ?

WHAT’S YOUR

PERSONAL DISABILITY

QUOTIENT (PDQ)?

IT’S THE NUMBER

SO MUCH DEPENDS ON.

Your PDQ represents your chance of becoming seriously ill or injured and

unable to work for an extended period of time. And with so much riding on

your ability to earn an income, it’s one very important number to know.

To calculate your PDQ, you’ll need to answer six simple questions.

#1:

AGE What is your age?	male points	female points	your points
>25	18	22
25-34	13	16
35-44	9	10
45-54	1	1
55+	0	0

#2:

OCCUPATION What kind of work do you do?	points	your points
Mostly office work/indoors	0
Little office work/indoors	8
Little physical work/outdoors	18
Mostly physical work/outdoors	20

#3:

BODY MASS INDEX Do you consider yourself to be...	points	your points
About the right size	0
Underweight	0
Overweight	8
Obese	21

#4:

TOBACCO

Have you used tobacco products in the past year?

points

your points

Yes

#5:

LIFESTYLE How healthy is your lifestyle? Consider regular physical exams, regular exercise, stress, sleep and eating habits, drug or alcohol abuse.	points	your points
Very Healthy	0
About Average	3
Not very healthy	7

#6:

MEDICAL CONDITIONS

Do you have or are you undergoing treatment for: diabetes, high blood pressure, high cholesterol, heart disease, cancer, chronic back or joint pain, drug, alcohol or food addiction, anxiety or depression?

points

your points

Yes

YOUR
TOTAL POINTS

YOUR CHANCE OF BECOMING DISABLED

Find the box that reflects your total points below. Read across to see your estimated chance of becoming disabled and unable to work for three months or longer before the age of 65.

less than 25 points	5-25% chance (below average)
25-35 points	25-35% chance (below average)
36-49 points	35-50% chance (above average)
50+ points	50% or more chance (significantly above average)

THE LENGTH OF TIME YOUR DISABILITY MAY LAST

Find your age, then read across to see the estimated length of time your disability may last.

Your age	Average length of your disability*	*Your probability of disability lasting 5 years or more**
20 to 24	69 months	30%
25 to 29	74 months	32%
30 to 34	78 months	35%
35 to 39	82 months	38%
40 to 44	85 months	40%
45 to 49	86 months	43%
50 to 54	86 months	45%
55+	84 months	46%

*For disabilities lasting three months or longer.

Minimize Your Risk

Visit www.DisabilityCanHappen.org to learn:

Five Questions every worker should ask.
How to prepare a Financial Security Plan.
Wellness tips to help you embrace a healthy lifestyle.

Visit www.WhatsMyPDQ.org for an interactive version of the PDQ and to extimate the financial impact of disability.

Seek planning advice from your financial adviser or your employer’s human resources professional.

About the Personal Disability Quotient (PDQ). The Personal Disability Quotient and the PDQ Calculator

were developed by the Council for Disability Awareness. The statistical basis for the PDQ Calculator is

the 1985 Commissioners’ Individual Disability Tables A and C, Society of Actuaries.

About the Council for Disability Awareness (CDA). The CDA is a non-profit group dedicated to

helping the American workforce become aware of the growing likelihood of disability and its financial

consequences. For more information, visit www.DisabilityCanHappen.org. For questions about the

PDQ or CDA, please call 207.774.2634.

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