The Effects of Wage Indexing on Social Security Disability Benefits

by L. Scott Muller
Social Security Bulletin, Vol. 68, No. 3, 2008
Table equivalent for Chart A-1. Fifth percentile hypothetical replacement rates for disability-insured workers based on lifetime earnings (AIME), by age group, 1979–2004
Year Under 30 30–39 40–44 45–49 50–54 55–59 60–61
1979 0.37 0.36 0.38 0.38 0.39 0.39 0.39
1980 0.37 0.36 0.37 0.38 0.38 0.38 0.39
1981 0.37 0.35 0.36 0.37 0.38 0.38 0.38
1982 0.37 0.34 0.36 0.37 0.38 0.38 0.38
1983 0.38 0.34 0.35 0.36 0.37 0.38 0.38
1984 0.38 0.34 0.35 0.36 0.37 0.37 0.37
1985 0.38 0.33 0.34 0.35 0.36 0.37 0.37
1986 0.38 0.33 0.33 0.34 0.36 0.37 0.37
1987 0.38 0.33 0.33 0.34 0.35 0.36 0.36
1988 0.38 0.33 0.32 0.33 0.34 0.36 0.36
1989 0.39 0.33 0.32 0.33 0.34 0.35 0.36
1990 0.39 0.32 0.32 0.33 0.34 0.35 0.36
1991 0.40 0.32 0.32 0.32 0.33 0.34 0.35
1992 0.40 0.32 0.31 0.32 0.33 0.34 0.35
1993 0.41 0.32 0.31 0.32 0.32 0.34 0.35
1994 0.42 0.33 0.31 0.31 0.32 0.33 0.34
1995 0.42 0.33 0.31 0.31 0.32 0.33 0.34
1996 0.42 0.33 0.31 0.31 0.31 0.33 0.33
1997 0.42 0.33 0.31 0.31 0.31 0.32 0.33
1998 0.42 0.33 0.31 0.31 0.31 0.32 0.33
1999 0.42 0.33 0.31 0.31 0.31 0.32 0.33
2000 0.42 0.33 0.31 0.30 0.31 0.31 0.32
2001 0.42 0.33 0.31 0.30 0.31 0.31 0.32
2002 0.42 0.33 0.31 0.30 0.31 0.31 0.32
2003 0.42 0.33 0.31 0.30 0.31 0.31 0.32
2004 0.42 0.33 0.31 0.30 0.30 0.31 0.31
SOURCE: Author's calculations using Continuous Work History Sample data.
NOTE: AIME = average indexed monthly earnings.
Table equivalent for Chart A-2. Tenth percentile hypothetical replacement rates for disability-insured workers based on lifetime earnings (AIME), by age group, 1979–2004
Year Under 30 30–39 40–44 45–49 50–54 55–59 60–61
1979 0.41 0.37 0.39 0.40 0.40 0.40 0.40
1980 0.41 0.37 0.38 0.39 0.39 0.39 0.40
1981 0.41 0.36 0.37 0.38 0.39 0.39 0.39
1982 0.41 0.36 0.36 0.37 0.39 0.39 0.39
1983 0.42 0.36 0.36 0.37 0.38 0.38 0.38
1984 0.42 0.35 0.35 0.36 0.37 0.38 0.38
1985 0.42 0.35 0.35 0.36 0.37 0.38 0.38
1986 0.42 0.35 0.34 0.35 0.36 0.37 0.37
1987 0.42 0.35 0.34 0.35 0.36 0.37 0.37
1988 0.42 0.35 0.33 0.34 0.35 0.37 0.37
1989 0.42 0.35 0.33 0.34 0.35 0.36 0.37
1990 0.43 0.35 0.33 0.33 0.34 0.36 0.37
1991 0.43 0.35 0.33 0.33 0.34 0.35 0.36
1992 0.43 0.35 0.33 0.33 0.34 0.35 0.36
1993 0.43 0.35 0.33 0.33 0.33 0.34 0.36
1994 0.44 0.35 0.33 0.33 0.33 0.34 0.35
1995 0.44 0.36 0.33 0.32 0.33 0.34 0.35
1996 0.44 0.36 0.33 0.32 0.32 0.34 0.34
1997 0.44 0.36 0.33 0.32 0.32 0.33 0.34
1998 0.44 0.36 0.33 0.32 0.32 0.33 0.34
1999 0.44 0.36 0.33 0.32 0.32 0.33 0.34
2000 0.44 0.36 0.33 0.32 0.32 0.33 0.33
2001 0.44 0.37 0.33 0.32 0.32 0.32 0.33
2002 0.44 0.37 0.33 0.32 0.32 0.32 0.33
2003 0.45 0.37 0.34 0.32 0.32 0.32 0.33
2004 0.45 0.37 0.34 0.32 0.32 0.32 0.33
SOURCE: Author's calculations using Continuous Work History Sample data.
NOTE: AIME = average indexed monthly earnings.
Table equivalent for Chart A-3. Twenty-fifth percentile hypothetical replacement rates for disability-insured workers based on lifetime earnings (AIME), by age group, 1979–2004
Year Under 30 30–39 40–44 45–49 50–54 55–59 60–61
1979 0.45 0.40 0.40 0.41 0.41 0.41 0.41
1980 0.45 0.40 0.39 0.40 0.41 0.41 0.41
1981 0.45 0.40 0.39 0.40 0.41 0.41 0.41
1982 0.45 0.40 0.38 0.39 0.40 0.41 0.41
1983 0.46 0.41 0.38 0.39 0.40 0.41 0.41
1984 0.46 0.41 0.38 0.39 0.40 0.40 0.41
1985 0.46 0.41 0.38 0.38 0.40 0.40 0.41
1986 0.46 0.41 0.38 0.38 0.39 0.40 0.40
1987 0.46 0.41 0.38 0.38 0.39 0.40 0.40
1988 0.46 0.41 0.38 0.38 0.39 0.40 0.40
1989 0.47 0.41 0.38 0.37 0.38 0.40 0.40
1990 0.47 0.42 0.38 0.37 0.38 0.39 0.40
1991 0.47 0.42 0.38 0.37 0.38 0.39 0.40
1992 0.48 0.42 0.38 0.37 0.37 0.39 0.40
1993 0.48 0.42 0.39 0.37 0.37 0.39 0.39
1994 0.49 0.42 0.39 0.37 0.37 0.38 0.39
1995 0.49 0.42 0.39 0.37 0.37 0.38 0.39
1996 0.49 0.42 0.39 0.38 0.37 0.38 0.39
1997 0.49 0.42 0.39 0.38 0.37 0.37 0.39
1998 0.49 0.42 0.39 0.38 0.37 0.37 0.38
1999 0.49 0.43 0.39 0.38 0.37 0.37 0.38
2000 0.49 0.43 0.40 0.38 0.37 0.37 0.38
2001 0.49 0.43 0.40 0.38 0.37 0.37 0.38
2002 0.50 0.43 0.40 0.39 0.38 0.37 0.37
2003 0.50 0.43 0.41 0.39 0.38 0.37 0.37
2004 0.50 0.43 0.41 0.39 0.38 0.37 0.37
SOURCE: Author's calculations using Continuous Work History Sample data.
NOTE: AIME = average indexed monthly earnings.
Table equivalent for Chart A-4. Fiftieth percentile hypothetical replacement rates for disability-insured workers based on lifetime earnings (AIME), by age group, 1979–2004
Year Under 30 30–39 40–44 45–49 50–54 55–59 60–61
1979 0.51 0.44 0.43 0.44 0.44 0.44 0.44
1980 0.52 0.45 0.43 0.44 0.44 0.44 0.44
1981 0.52 0.45 0.43 0.44 0.44 0.44 0.44
1982 0.52 0.45 0.44 0.44 0.44 0.44 0.44
1983 0.53 0.45 0.44 0.44 0.44 0.44 0.44
1984 0.53 0.45 0.44 0.44 0.44 0.44 0.44
1985 0.53 0.45 0.44 0.44 0.44 0.45 0.44
1986 0.54 0.46 0.44 0.44 0.44 0.45 0.44
1987 0.54 0.46 0.44 0.44 0.44 0.45 0.45
1988 0.54 0.46 0.44 0.44 0.44 0.45 0.45
1989 0.54 0.46 0.44 0.44 0.44 0.45 0.45
1990 0.55 0.46 0.44 0.44 0.44 0.45 0.45
1991 0.56 0.46 0.44 0.44 0.44 0.45 0.45
1992 0.56 0.46 0.44 0.44 0.44 0.45 0.45
1993 0.57 0.46 0.45 0.44 0.44 0.45 0.45
1994 0.57 0.47 0.45 0.44 0.44 0.45 0.45
1995 0.57 0.47 0.45 0.44 0.44 0.45 0.45
1996 0.57 0.47 0.45 0.44 0.44 0.44 0.45
1997 0.57 0.47 0.45 0.44 0.44 0.44 0.45
1998 0.58 0.47 0.45 0.44 0.44 0.44 0.45
1999 0.58 0.47 0.45 0.44 0.44 0.44 0.45
2000 0.58 0.48 0.45 0.45 0.44 0.44 0.45
2001 0.59 0.48 0.45 0.45 0.44 0.44 0.45
2002 0.60 0.48 0.46 0.45 0.44 0.44 0.44
2003 0.60 0.48 0.46 0.45 0.44 0.44 0.44
2004 0.60 0.48 0.46 0.45 0.45 0.44 0.44
SOURCE: Author's calculations using Continuous Work History Sample data.
NOTE: AIME = average indexed monthly earnings.
Table equivalent for Chart A-5. Seventy-fifth percentile hypothetical replacement rates for disability-insured workers based on lifetime earnings (AIME), by age group, 1979–2004
Year Under 30 30–39 40–44 45–49 50–54 55–59 60–61
1979 0.65 0.51 0.50 0.52 0.54 0.53 0.53
1980 0.66 0.51 0.50 0.52 0.54 0.54 0.53
1981 0.67 0.51 0.50 0.52 0.55 0.54 0.54
1982 0.68 0.52 0.51 0.52 0.55 0.54 0.54
1983 0.70 0.52 0.51 0.52 0.55 0.55 0.55
1984 0.69 0.52 0.51 0.53 0.55 0.56 0.55
1985 0.69 0.52 0.51 0.53 0.54 0.56 0.55
1986 0.70 0.53 0.51 0.53 0.54 0.56 0.55
1987 0.70 0.53 0.51 0.53 0.54 0.56 0.56
1988 0.70 0.53 0.51 0.52 0.54 0.56 0.57
1989 0.71 0.53 0.51 0.52 0.54 0.56 0.57
1990 0.73 0.53 0.51 0.52 0.54 0.55 0.57
1991 0.74 0.53 0.51 0.52 0.54 0.55 0.57
1992 0.76 0.53 0.51 0.52 0.53 0.55 0.56
1993 0.76 0.54 0.52 0.52 0.53 0.55 0.56
1994 0.76 0.54 0.52 0.52 0.53 0.55 0.56
1995 0.76 0.55 0.52 0.52 0.53 0.55 0.55
1996 0.76 0.55 0.52 0.52 0.53 0.54 0.55
1997 0.76 0.55 0.52 0.52 0.53 0.54 0.55
1998 0.76 0.55 0.52 0.52 0.53 0.54 0.55
1999 0.77 0.55 0.53 0.52 0.52 0.54 0.55
2000 0.77 0.56 0.53 0.52 0.53 0.53 0.55
2001 0.79 0.56 0.53 0.52 0.53 0.53 0.55
2002 0.81 0.56 0.53 0.53 0.53 0.53 0.54
2003 0.82 0.56 0.53 0.53 0.53 0.53 0.54
2004 0.81 0.57 0.54 0.53 0.53 0.53 0.54
SOURCE: Author's calculations using Continuous Work History Sample data.
NOTE: AIME = average indexed monthly earnings.
Table equivalent for Chart A-6. Ninetieth percentile hypothetical replacement rates for disability-insured workers based on lifetime earnings (AIME), by age group, 1979–2004
Year Under 30 30–39 40–44 45–49 50–54 55–59 60–61
1979 0.90 0.60 0.61 0.67 0.73 0.71 0.72
1980 0.90 0.61 0.61 0.66 0.73 0.72 0.71
1981 0.90 0.61 0.62 0.66 0.73 0.73 0.72
1982 0.90 0.62 0.62 0.66 0.73 0.74 0.74
1983 0.90 0.63 0.62 0.67 0.73 0.76 0.75
1984 0.90 0.63 0.63 0.67 0.72 0.77 0.76
1985 0.90 0.63 0.63 0.67 0.71 0.77 0.77
1986 0.90 0.64 0.63 0.67 0.71 0.77 0.77
1987 0.90 0.64 0.63 0.67 0.70 0.77 0.78
1988 0.90 0.64 0.63 0.67 0.70 0.76 0.80
1989 0.90 0.64 0.63 0.66 0.70 0.75 0.80
1990 0.90 0.65 0.63 0.66 0.70 0.75 0.79
1991 0.90 0.65 0.63 0.66 0.70 0.74 0.78
1992 0.90 0.65 0.63 0.65 0.70 0.74 0.78
1993 0.90 0.66 0.63 0.65 0.69 0.73 0.77
1994 0.90 0.67 0.64 0.65 0.69 0.73 0.76
1995 0.90 0.67 0.63 0.65 0.69 0.72 0.76
1996 0.90 0.68 0.64 0.65 0.68 0.73 0.75
1997 0.90 0.68 0.64 0.65 0.68 0.72 0.74
1998 0.90 0.68 0.64 0.65 0.68 0.71 0.74
1999 0.90 0.68 0.65 0.66 0.67 0.71 0.74
2000 0.90 0.69 0.65 0.66 0.67 0.71 0.74
2001 0.90 0.69 0.65 0.66 0.67 0.70 0.74
2002 0.90 0.70 0.66 0.66 0.68 0.70 0.72
2003 0.90 0.70 0.66 0.66 0.68 0.70 0.72
2004 0.90 0.70 0.66 0.67 0.68 0.70 0.72
SOURCE: Author's calculations using Continuous Work History Sample data.
NOTE: AIME = average indexed monthly earnings.
Table equivalent for Chart A-7. Ninety-fifth percentile hypothetical replacement rates for disability-insured workers based on lifetime earnings (AIME), by age group, 1979–2004
Year Under 30 30–39 40–44 45–49 50–54 55–59 60–61
1979 0.90 0.69 0.71 0.79 0.89 0.89 0.90
1980 0.90 0.69 0.71 0.78 0.89 0.90 0.90
1981 0.90 0.70 0.71 0.77 0.90 0.90 0.90
1982 0.90 0.71 0.72 0.77 0.89 0.90 0.90
1983 0.90 0.72 0.72 0.78 0.89 0.90 0.90
1984 0.90 0.73 0.73 0.79 0.87 0.90 0.90
1985 0.90 0.73 0.72 0.79 0.86 0.90 0.90
1986 0.90 0.74 0.73 0.79 0.85 0.90 0.90
1987 0.90 0.74 0.73 0.79 0.85 0.90 0.90
1988 0.90 0.75 0.73 0.79 0.85 0.90 0.90
1989 0.90 0.75 0.73 0.79 0.84 0.90 0.90
1990 0.90 0.75 0.73 0.78 0.85 0.90 0.90
1991 0.90 0.75 0.73 0.77 0.85 0.90 0.90
1992 0.90 0.76 0.73 0.77 0.84 0.90 0.90
1993 0.90 0.77 0.74 0.77 0.84 0.90 0.90
1994 0.90 0.78 0.74 0.77 0.84 0.90 0.90
1995 0.90 0.79 0.74 0.77 0.83 0.89 0.90
1996 0.90 0.79 0.74 0.77 0.82 0.90 0.90
1997 0.90 0.79 0.74 0.78 0.82 0.89 0.90
1998 0.90 0.80 0.75 0.78 0.82 0.88 0.90
1999 0.90 0.80 0.75 0.78 0.82 0.88 0.90
2000 0.90 0.80 0.76 0.78 0.82 0.87 0.90
2001 0.90 0.81 0.76 0.78 0.82 0.86 0.90
2002 0.90 0.82 0.77 0.79 0.82 0.86 0.90
2003 0.90 0.82 0.77 0.79 0.82 0.86 0.90
2004 0.90 0.83 0.78 0.79 0.82 0.86 0.90
SOURCE: Author's calculations using Continuous Work History Sample data.
NOTE: AIME = average indexed monthly earnings.
Table equivalent for Chart A-8. Fifth percentile hypothetical replacement rates for disability-insured workers based on last year of nonzero earnings (indexed to CPI), by age group, 1979–2004
Year Under 30 30–39 40–44 45–49 50–54 55–59 60–61
1979 0.28 0.23 0.22 0.21 0.21 0.22 0.22
1980 0.28 0.23 0.22 0.21 0.20 0.21 0.22
1981 0.28 0.22 0.22 0.21 0.20 0.21 0.22
1982 0.29 0.23 0.22 0.22 0.21 0.21 0.22
1983 0.30 0.23 0.22 0.22 0.21 0.21 0.22
1984 0.29 0.23 0.22 0.22 0.21 0.21 0.22
1985 0.29 0.23 0.22 0.22 0.22 0.21 0.22
1986 0.29 0.23 0.23 0.22 0.22 0.21 0.22
1987 0.29 0.23 0.22 0.22 0.22 0.21 0.21
1988 0.29 0.23 0.22 0.22 0.21 0.21 0.21
1989 0.30 0.24 0.22 0.22 0.22 0.21 0.21
1990 0.30 0.24 0.22 0.22 0.22 0.21 0.21
1991 0.31 0.24 0.23 0.22 0.22 0.22 0.21
1992 0.31 0.24 0.23 0.22 0.22 0.22 0.22
1993 0.31 0.24 0.23 0.22 0.22 0.22 0.22
1994 0.31 0.24 0.23 0.23 0.22 0.22 0.22
1995 0.31 0.24 0.23 0.23 0.22 0.22 0.22
1996 0.30 0.24 0.23 0.23 0.22 0.22 0.22
1997 0.30 0.24 0.23 0.23 0.22 0.22 0.22
1998 0.29 0.23 0.23 0.23 0.22 0.22 0.22
1999 0.29 0.23 0.23 0.23 0.23 0.22 0.23
2000 0.29 0.23 0.23 0.23 0.23 0.22 0.23
2001 0.30 0.23 0.23 0.23 0.23 0.23 0.23
2002 0.32 0.24 0.24 0.24 0.23 0.23 0.23
2003 0.32 0.24 0.24 0.24 0.23 0.23 0.23
2004 0.31 0.24 0.23 0.23 0.23 0.23 0.23
SOURCE: Author's calculations using Continuous Work History Sample data.
NOTE: CPI = Consumer Price Index.
Table equivalent for Chart A-9. Tenth percentile hypothetical replacement rates for disability-insured workers based on last year of nonzero earnings (indexed to CPI), by age group, 1979–2004
Year Under 30 30–39 40–44 45–49 50–54 55–59 60–61
1979 0.31 0.25 0.24 0.23 0.23 0.24 0.24
1980 0.31 0.24 0.23 0.23 0.23 0.23 0.23
1981 0.32 0.24 0.23 0.22 0.22 0.22 0.22
1982 0.32 0.24 0.23 0.23 0.22 0.22 0.22
1983 0.34 0.25 0.23 0.23 0.22 0.22 0.23
1984 0.33 0.25 0.24 0.23 0.23 0.22 0.23
1985 0.33 0.25 0.24 0.23 0.23 0.23 0.23
1986 0.33 0.25 0.24 0.24 0.23 0.23 0.23
1987 0.33 0.25 0.24 0.24 0.23 0.23 0.23
1988 0.33 0.25 0.24 0.24 0.23 0.23 0.23
1989 0.33 0.25 0.24 0.24 0.24 0.23 0.23
1990 0.34 0.25 0.24 0.24 0.24 0.23 0.23
1991 0.34 0.26 0.24 0.24 0.24 0.23 0.23
1992 0.35 0.26 0.25 0.24 0.24 0.24 0.23
1993 0.35 0.26 0.25 0.24 0.24 0.24 0.24
1994 0.35 0.27 0.25 0.25 0.24 0.24 0.24
1995 0.35 0.26 0.25 0.25 0.24 0.24 0.24
1996 0.34 0.26 0.25 0.25 0.24 0.24 0.24
1997 0.34 0.26 0.25 0.25 0.24 0.24 0.24
1998 0.33 0.26 0.25 0.25 0.24 0.24 0.24
1999 0.34 0.26 0.25 0.25 0.25 0.25 0.25
2000 0.34 0.25 0.25 0.25 0.25 0.25 0.25
2001 0.35 0.26 0.25 0.25 0.25 0.25 0.25
2002 0.36 0.26 0.26 0.26 0.25 0.25 0.25
2003 0.36 0.26 0.26 0.26 0.25 0.25 0.25
2004 0.36 0.26 0.25 0.25 0.25 0.25 0.25
SOURCE: Author's calculations using Continuous Work History Sample data.
NOTE: CPI = Consumer Price Index.
Table equivalent for Chart A-10. Twenty-fifth percentile hypothetical replacement rates for disability-insured workers based on last year of nonzero earnings (indexed to CPI), by age group, 1979–2004
Year Under 30 30–39 40–44 45–49 50–54 55–59 60–61
1979 0.38 0.27 0.25 0.24 0.24 0.25 0.26
1980 0.38 0.27 0.24 0.24 0.24 0.24 0.26
1981 0.38 0.27 0.24 0.24 0.23 0.24 0.26
1982 0.40 0.28 0.25 0.24 0.24 0.25 0.26
1983 0.41 0.29 0.26 0.26 0.25 0.26 0.27
1984 0.40 0.29 0.26 0.25 0.25 0.25 0.27
1985 0.40 0.29 0.26 0.26 0.25 0.25 0.27
1986 0.40 0.30 0.26 0.26 0.26 0.26 0.27
1987 0.40 0.30 0.27 0.26 0.26 0.26 0.27
1988 0.40 0.30 0.26 0.26 0.25 0.25 0.26
1989 0.40 0.30 0.27 0.26 0.26 0.26 0.27
1990 0.41 0.31 0.27 0.26 0.26 0.27 0.27
1991 0.42 0.31 0.28 0.27 0.27 0.27 0.28
1992 0.42 0.31 0.28 0.27 0.27 0.27 0.28
1993 0.43 0.32 0.29 0.27 0.27 0.28 0.29
1994 0.43 0.32 0.29 0.28 0.28 0.28 0.30
1995 0.42 0.32 0.29 0.28 0.27 0.28 0.29
1996 0.42 0.31 0.29 0.28 0.27 0.28 0.29
1997 0.41 0.31 0.29 0.28 0.27 0.28 0.29
1998 0.41 0.31 0.29 0.28 0.27 0.28 0.30
1999 0.41 0.31 0.29 0.29 0.28 0.28 0.30
2000 0.41 0.31 0.29 0.29 0.28 0.29 0.31
2001 0.43 0.32 0.30 0.29 0.29 0.29 0.31
2002 0.44 0.33 0.31 0.30 0.30 0.30 0.32
2003 0.45 0.33 0.31 0.30 0.30 0.30 0.32
2004 0.44 0.32 0.30 0.30 0.29 0.29 0.31
SOURCE: Author's calculations using Continuous Work History Sample data.
NOTE: CPI = Consumer Price Index.
Table equivalent for Chart A-11. Fiftieth percentile hypothetical replacement rates for disability-insured workers based on last year of nonzero earnings (indexed to CPI), by age group, 1979–2004
Year Under 30 30–39 40–44 45–49 50–54 55–59 60–61
1979 0.47 0.34 0.31 0.30 0.30 0.32 0.34
1980 0.49 0.34 0.31 0.31 0.30 0.32 0.34
1981 0.49 0.35 0.31 0.31 0.30 0.32 0.34
1982 0.52 0.36 0.33 0.32 0.32 0.33 0.35
1983 0.53 0.38 0.34 0.34 0.33 0.35 0.37
1984 0.51 0.37 0.34 0.34 0.33 0.34 0.37
1985 0.51 0.37 0.34 0.34 0.34 0.34 0.37
1986 0.51 0.38 0.34 0.34 0.34 0.35 0.37
1987 0.51 0.38 0.34 0.34 0.34 0.35 0.37
1988 0.51 0.38 0.34 0.34 0.34 0.34 0.37
1989 0.52 0.39 0.35 0.34 0.35 0.36 0.37
1990 0.53 0.39 0.36 0.35 0.35 0.37 0.38
1991 0.55 0.40 0.36 0.35 0.36 0.37 0.39
1992 0.55 0.40 0.37 0.36 0.36 0.38 0.40
1993 0.55 0.41 0.37 0.36 0.37 0.38 0.41
1994 0.55 0.41 0.38 0.37 0.37 0.39 0.43
1995 0.54 0.40 0.37 0.36 0.36 0.38 0.41
1996 0.54 0.40 0.37 0.36 0.36 0.38 0.41
1997 0.53 0.40 0.37 0.36 0.36 0.38 0.41
1998 0.53 0.39 0.37 0.36 0.36 0.38 0.42
1999 0.54 0.40 0.38 0.37 0.37 0.39 0.43
2000 0.54 0.40 0.38 0.38 0.37 0.39 0.43
2001 0.56 0.41 0.39 0.39 0.38 0.40 0.44
2002 0.59 0.42 0.41 0.40 0.40 0.42 0.46
2003 0.60 0.42 0.41 0.40 0.40 0.42 0.46
2004 0.59 0.41 0.40 0.39 0.39 0.41 0.44
SOURCE: Author's calculations using Continuous Work History Sample data.
NOTE: CPI = Consumer Price Index.
Table equivalent for Chart A-12. Seventy-fifth percentile hypothetical replacement rates for disability-insured workers based on last year of nonzero earnings (indexed to CPI), by age group, 1979–2004
Year Under 30 30–39 40–44 45–49 50–54 55–59 60–61
1979 0.76 0.47 0.42 0.41 0.42 0.44 0.48
1980 0.82 0.49 0.43 0.43 0.42 0.45 0.50
1981 0.84 0.51 0.44 0.44 0.43 0.46 0.51
1982 0.93 0.56 0.48 0.48 0.46 0.49 0.54
1983 0.94 0.59 0.50 0.50 0.49 0.52 0.59
1984 0.86 0.57 0.49 0.49 0.49 0.51 0.59
1985 0.84 0.57 0.49 0.50 0.50 0.52 0.60
1986 0.85 0.58 0.50 0.51 0.51 0.54 0.63
1987 0.83 0.58 0.50 0.50 0.51 0.54 0.63
1988 0.81 0.56 0.49 0.49 0.50 0.53 0.62
1989 0.83 0.57 0.50 0.50 0.51 0.55 0.62
1990 0.85 0.58 0.51 0.50 0.52 0.57 0.65
1991 0.90 0.60 0.53 0.52 0.54 0.60 0.68
1992 0.91 0.61 0.54 0.53 0.55 0.61 0.73
1993 0.89 0.61 0.54 0.53 0.55 0.62 0.74
1994 0.88 0.61 0.55 0.53 0.56 0.63 0.77
1995 0.86 0.59 0.53 0.52 0.54 0.62 0.74
1996 0.85 0.58 0.53 0.52 0.53 0.61 0.74
1997 0.83 0.57 0.52 0.51 0.53 0.60 0.72
1998 0.82 0.56 0.52 0.51 0.52 0.59 0.72
1999 0.83 0.57 0.53 0.52 0.53 0.60 0.74
2000 0.84 0.57 0.53 0.52 0.53 0.61 0.74
2001 0.90 0.59 0.55 0.54 0.55 0.63 0.78
2002 0.96 0.63 0.59 0.57 0.58 0.66 0.82
2003 0.98 0.64 0.59 0.58 0.59 0.66 0.82
2004 0.94 0.63 0.58 0.57 0.58 0.65 0.80
SOURCE: Author's calculations using Continuous Work History Sample data.
NOTE: CPI = Consumer Price Index.
Table equivalent for Chart A-13. Ninetieth percentile hypothetical replacement rates for disability-insured workers based on last year of nonzero earnings (indexed to CPI), by age group, 1979–2004
Year Under 30 30–39 40–44 45–49 50–54 55–59 60–61
1979 1.70 1.03 0.77 0.75 0.74 0.82 1.00
1980 1.98 1.15 0.84 0.82 0.79 0.89 1.07
1981 2.09 1.24 0.90 0.89 0.85 0.94 1.17
1982 2.44 1.46 1.06 1.03 0.99 1.09 1.23
1983 2.49 1.58 1.14 1.12 1.08 1.19 1.44
1984 2.15 1.44 1.07 1.06 1.07 1.15 1.45
1985 2.04 1.39 1.04 1.05 1.09 1.19 1.48
1986 2.03 1.42 1.07 1.08 1.10 1.26 1.59
1987 1.94 1.40 1.06 1.04 1.11 1.26 1.62
1988 1.82 1.33 0.99 0.99 1.02 1.21 1.63
1989 1.86 1.33 1.00 1.00 1.04 1.24 1.60
1990 1.91 1.36 1.03 1.01 1.09 1.29 1.79
1991 2.11 1.45 1.12 1.09 1.17 1.43 1.96
1992 2.14 1.47 1.15 1.12 1.19 1.48 2.05
1993 2.06 1.46 1.14 1.09 1.21 1.56 2.09
1994 1.97 1.41 1.12 1.08 1.20 1.56 2.28
1995 1.88 1.35 1.07 1.04 1.13 1.50 2.29
1996 1.83 1.32 1.05 1.02 1.09 1.49 2.20
1997 1.74 1.25 1.03 0.99 1.06 1.43 2.06
1998 1.68 1.21 1.01 0.96 1.03 1.39 2.04
1999 1.69 1.21 1.02 0.96 1.03 1.41 2.15
2000 1.70 1.21 1.02 0.96 1.05 1.44 2.12
2001 1.96 1.31 1.10 1.03 1.09 1.51 2.22
2002 2.23 1.47 1.24 1.15 1.20 1.59 2.39
2003 2.33 1.54 1.30 1.18 1.24 1.66 2.46
2004 2.25 1.52 1.28 1.19 1.21 1.68 2.39
SOURCE: Author's calculations using Continuous Work History Sample data.
NOTE: CPI = Consumer Price Index.
Table equivalent for Chart A-14. Ninety-fifth percentile hypothetical replacement rates for disability-insured workers based on last year of nonzero earnings (indexed to CPI), by age group, 1979–2004
Year Under 30 30–39 40–44 45–49 50–54 55–59 60–61
1979 3.72 2.23 1.45 1.41 1.42 1.58 1.93
1980 4.37 2.55 1.66 1.61 1.50 1.76 2.12
1981 4.67 2.77 1.81 1.81 1.67 1.95 2.28
1982 5.55 3.31 2.19 2.12 2.00 2.29 2.59
1983 5.70 3.55 2.41 2.35 2.30 2.45 3.21
1984 4.85 3.24 2.23 2.19 2.25 2.45 3.11
1985 4.54 3.13 2.12 2.19 2.25 2.49 3.21
1986 4.49 3.18 2.19 2.18 2.31 2.64 3.30
1987 4.25 3.13 2.18 2.10 2.30 2.61 3.48
1988 3.95 2.93 1.99 1.94 2.02 2.55 3.53
1989 4.06 2.96 1.97 1.94 2.00 2.64 3.51
1990 4.09 3.01 2.02 1.99 2.15 2.74 3.96
1991 4.63 3.23 2.26 2.17 2.36 3.11 4.74
1992 4.65 3.32 2.38 2.25 2.42 3.42 5.14
1993 4.52 3.27 2.28 2.21 2.47 3.54 5.75
1994 4.24 3.11 2.21 2.13 2.50 3.61 6.22
1995 3.97 2.96 2.15 2.02 2.29 3.43 6.08
1996 3.83 2.90 2.04 1.99 2.16 3.38 5.75
1997 3.62 2.68 2.01 1.90 2.10 3.21 5.54
1998 3.46 2.56 1.95 1.81 2.01 3.13 5.65
1999 3.43 2.57 1.98 1.81 2.00 3.21 5.73
2000 3.52 2.60 1.96 1.82 2.09 3.37 5.66
2001 4.12 2.83 2.16 1.96 2.19 3.44 5.91
2002 4.86 3.27 2.53 2.29 2.47 3.76 6.05
2003 5.10 3.47 2.73 2.38 2.52 3.83 6.48
2004 4.98 3.44 2.70 2.39 2.49 3.95 6.37
SOURCE: Author's calculations using Continuous Work History Sample data.
NOTE: CPI = Consumer Price Index.
Table equivalent for Chart A-15. Hypothetical replacement rates for disability-insured workers based on last year of nonzero earnings (indexed to CPI) for individuals under age 30, by replacement rate percentile, 1979–2004
Year 5th
percentile
10th
percentile
25th
percentile
50th
percentile
75th
percentile
90th
percentile
95th
percentile
1979 0.28 0.31 0.38 0.47 0.76 1.70 3.72
1980 0.28 0.31 0.38 0.49 0.82 1.98 4.37
1981 0.28 0.32 0.38 0.49 0.84 2.09 4.67
1982 0.29 0.32 0.40 0.52 0.93 2.44 5.55
1983 0.30 0.34 0.41 0.53 0.94 2.49 5.70
1984 0.29 0.33 0.40 0.51 0.86 2.15 4.85
1985 0.29 0.33 0.40 0.51 0.84 2.04 4.54
1986 0.29 0.33 0.40 0.51 0.85 2.03 4.49
1987 0.29 0.33 0.40 0.51 0.83 1.94 4.25
1988 0.29 0.33 0.40 0.51 0.81 1.82 3.95
1989 0.30 0.33 0.40 0.52 0.83 1.86 4.06
1990 0.30 0.34 0.41 0.53 0.85 1.91 4.09
1991 0.31 0.34 0.42 0.55 0.90 2.11 4.63
1992 0.31 0.35 0.42 0.55 0.91 2.14 4.65
1993 0.31 0.35 0.43 0.55 0.89 2.06 4.52
1994 0.31 0.35 0.43 0.55 0.88 1.97 4.24
1995 0.31 0.35 0.42 0.54 0.86 1.88 3.97
1996 0.30 0.34 0.42 0.54 0.85 1.83 3.83
1997 0.30 0.34 0.41 0.53 0.83 1.74 3.62
1998 0.29 0.33 0.41 0.53 0.82 1.68 3.46
1999 0.29 0.34 0.41 0.54 0.83 1.69 3.43
2000 0.29 0.34 0.41 0.54 0.84 1.70 3.52
2001 0.30 0.35 0.43 0.56 0.90 1.96 4.12
2002 0.32 0.36 0.44 0.59 0.96 2.23 4.86
2003 0.32 0.36 0.45 0.60 0.98 2.33 5.10
2004 0.31 0.36 0.44 0.59 0.94 2.25 4.98
SOURCE: Author's calculations using Continuous Work History Sample data.
NOTE: CPI = Consumer Price Index.
Table equivalent for Chart A-16. Hypothetical replacement rates for disability-insured workers based on last year of nonzero earnings (indexed to CPI) for individuals aged 30–39, by replacement rate percentile, 1979–2004
Year 5th
percentile
10th
percentile
25th
percentile
50th
percentile
75th
percentile
90th
percentile
95th
percentile
1979 0.23 0.25 0.27 0.34 0.47 1.03 2.23
1980 0.23 0.24 0.27 0.34 0.49 1.15 2.55
1981 0.22 0.24 0.27 0.35 0.51 1.24 2.77
1982 0.23 0.24 0.28 0.36 0.56 1.46 3.31
1983 0.23 0.25 0.29 0.38 0.59 1.58 3.55
1984 0.23 0.25 0.29 0.37 0.57 1.44 3.24
1985 0.23 0.25 0.29 0.37 0.57 1.39 3.13
1986 0.23 0.25 0.30 0.38 0.58 1.42 3.18
1987 0.23 0.25 0.30 0.38 0.58 1.40 3.13
1988 0.23 0.25 0.30 0.38 0.56 1.33 2.93
1989 0.24 0.25 0.30 0.39 0.57 1.33 2.96
1990 0.24 0.25 0.31 0.39 0.58 1.36 3.01
1991 0.24 0.26 0.31 0.40 0.60 1.45 3.23
1992 0.24 0.26 0.31 0.40 0.61 1.47 3.32
1993 0.24 0.26 0.32 0.41 0.61 1.46 3.27
1994 0.24 0.27 0.32 0.41 0.61 1.41 3.11
1995 0.24 0.26 0.32 0.40 0.59 1.35 2.96
1996 0.24 0.26 0.31 0.40 0.58 1.32 2.90
1997 0.24 0.26 0.31 0.40 0.57 1.25 2.68
1998 0.23 0.26 0.31 0.39 0.56 1.21 2.56
1999 0.23 0.26 0.31 0.40 0.57 1.21 2.57
2000 0.23 0.25 0.31 0.40 0.57 1.21 2.60
2001 0.23 0.26 0.32 0.41 0.59 1.31 2.83
2002 0.24 0.26 0.33 0.42 0.63 1.47 3.27
2003 0.24 0.26 0.33 0.42 0.64 1.54 3.47
2004 0.24 0.26 0.32 0.41 0.63 1.52 3.44
SOURCE: Author's calculations using Continuous Work History Sample data.
NOTE: CPI = Consumer Price Index.
Table equivalent for Chart A-17. Hypothetical replacement rates for disability-insured workers based on last year of nonzero earnings (indexed to CPI) for individuals aged 40–44, by replacement rate percentile, 1979–2004
Year 5th
percentile
10th
percentile
25th
percentile
50th
percentile
75th
percentile
90th
percentile
95th
percentile
1979 0.22 0.24 0.25 0.31 0.42 0.77 1.45
1980 0.22 0.23 0.24 0.31 0.43 0.84 1.66
1981 0.22 0.23 0.24 0.31 0.44 0.90 1.81
1982 0.22 0.23 0.25 0.33 0.48 1.06 2.19
1983 0.22 0.23 0.26 0.34 0.50 1.14 2.41
1984 0.22 0.24 0.26 0.34 0.49 1.07 2.23
1985 0.22 0.24 0.26 0.34 0.49 1.04 2.12
1986 0.23 0.24 0.26 0.34 0.50 1.07 2.19
1987 0.22 0.24 0.27 0.34 0.50 1.06 2.18
1988 0.22 0.24 0.26 0.34 0.49 0.99 1.99
1989 0.22 0.24 0.27 0.35 0.50 1.00 1.97
1990 0.22 0.24 0.27 0.36 0.51 1.03 2.02
1991 0.23 0.24 0.28 0.36 0.53 1.12 2.26
1992 0.23 0.25 0.28 0.37 0.54 1.15 2.38
1993 0.23 0.25 0.29 0.37 0.54 1.14 2.28
1994 0.23 0.25 0.29 0.38 0.55 1.12 2.21
1995 0.23 0.25 0.29 0.37 0.53 1.07 2.15
1996 0.23 0.25 0.29 0.37 0.53 1.05 2.04
1997 0.23 0.25 0.29 0.37 0.52 1.03 2.01
1998 0.23 0.25 0.29 0.37 0.52 1.01 1.95
1999 0.23 0.25 0.29 0.38 0.53 1.02 1.98
2000 0.23 0.25 0.29 0.38 0.53 1.02 1.96
2001 0.23 0.25 0.30 0.39 0.55 1.10 2.16
2002 0.24 0.26 0.31 0.41 0.59 1.24 2.53
2003 0.24 0.26 0.31 0.41 0.59 1.30 2.73
2004 0.23 0.25 0.30 0.40 0.58 1.28 2.70
SOURCE: Author's calculations using Continuous Work History Sample data.
NOTE: CPI = Consumer Price Index.
Table equivalent for Chart A-18. Hypothetical replacement rates for disability-insured workers based on last year of nonzero earnings (indexed to CPI) for individuals aged 45–49, by replacement rate percentile, 1979–2004
Year 5th
percentile
10th
percentile
25th
percentile
50th
percentile
75th
percentile
90th
percentile
95th
percentile
1979 0.21 0.23 0.24 0.30 0.41 0.75 1.41
1980 0.21 0.23 0.24 0.31 0.43 0.82 1.61
1981 0.21 0.22 0.24 0.31 0.44 0.89 1.81
1982 0.22 0.23 0.24 0.32 0.48 1.03 2.12
1983 0.22 0.23 0.26 0.34 0.50 1.12 2.35
1984 0.22 0.23 0.25 0.34 0.49 1.06 2.19
1985 0.22 0.23 0.26 0.34 0.50 1.05 2.19
1986 0.22 0.24 0.26 0.34 0.51 1.08 2.18
1987 0.22 0.24 0.26 0.34 0.50 1.04 2.10
1988 0.22 0.24 0.26 0.34 0.49 0.99 1.94
1989 0.22 0.24 0.26 0.34 0.50 1.00 1.94
1990 0.22 0.24 0.26 0.35 0.50 1.01 1.99
1991 0.22 0.24 0.27 0.35 0.52 1.09 2.17
1992 0.22 0.24 0.27 0.36 0.53 1.12 2.25
1993 0.22 0.24 0.27 0.36 0.53 1.09 2.21
1994 0.23 0.25 0.28 0.37 0.53 1.08 2.13
1995 0.23 0.25 0.28 0.36 0.52 1.04 2.02
1996 0.23 0.25 0.28 0.36 0.52 1.02 1.99
1997 0.23 0.25 0.28 0.36 0.51 0.99 1.90
1998 0.23 0.25 0.28 0.36 0.51 0.96 1.81
1999 0.23 0.25 0.29 0.37 0.52 0.96 1.81
2000 0.23 0.25 0.29 0.38 0.52 0.96 1.82
2001 0.23 0.25 0.29 0.39 0.54 1.03 1.96
2002 0.24 0.26 0.30 0.40 0.57 1.15 2.29
2003 0.24 0.26 0.30 0.40 0.58 1.18 2.38
2004 0.23 0.25 0.30 0.39 0.57 1.19 2.39
SOURCE: Author's calculations using Continuous Work History Sample data.
NOTE: CPI = Consumer Price Index.
Table equivalent for Chart A-19. Hypothetical replacement rates for disability-insured workers based on last year of nonzero earnings (indexed to CPI) for individuals aged 50–54, by replacement rate percentile, 1979–2004
Year 5th
percentile
10th
percentile
25th
percentile
50th
percentile
75th
percentile
90th
percentile
95th
percentile
1979 0.21 0.23 0.24 0.30 0.42 0.74 1.42
1980 0.20 0.23 0.24 0.30 0.42 0.79 1.50
1981 0.20 0.22 0.23 0.30 0.43 0.85 1.67
1982 0.21 0.22 0.24 0.32 0.46 0.99 2.00
1983 0.21 0.22 0.25 0.33 0.49 1.08 2.30
1984 0.21 0.23 0.25 0.33 0.49 1.07 2.25
1985 0.22 0.23 0.25 0.34 0.50 1.09 2.25
1986 0.22 0.23 0.26 0.34 0.51 1.10 2.31
1987 0.22 0.23 0.26 0.34 0.51 1.11 2.30
1988 0.21 0.23 0.25 0.34 0.50 1.02 2.02
1989 0.22 0.24 0.26 0.35 0.51 1.04 2.00
1990 0.22 0.24 0.26 0.35 0.52 1.09 2.15
1991 0.22 0.24 0.27 0.36 0.54 1.17 2.36
1992 0.22 0.24 0.27 0.36 0.55 1.19 2.42
1993 0.22 0.24 0.27 0.37 0.55 1.21 2.47
1994 0.22 0.24 0.28 0.37 0.56 1.20 2.50
1995 0.22 0.24 0.27 0.36 0.54 1.13 2.29
1996 0.22 0.24 0.27 0.36 0.53 1.09 2.16
1997 0.22 0.24 0.27 0.36 0.53 1.06 2.10
1998 0.22 0.24 0.27 0.36 0.52 1.03 2.01
1999 0.23 0.25 0.28 0.37 0.53 1.03 2.00
2000 0.23 0.25 0.28 0.37 0.53 1.05 2.09
2001 0.23 0.25 0.29 0.38 0.55 1.09 2.19
2002 0.23 0.25 0.30 0.40 0.58 1.20 2.47
2003 0.23 0.25 0.30 0.40 0.59 1.24 2.52
2004 0.23 0.25 0.29 0.39 0.58 1.21 2.49
SOURCE: Author's calculations using Continuous Work History Sample data.
NOTE: CPI = Consumer Price Index.
Table equivalent for Chart A-20. Hypothetical replacement rates for disability-insured workers based on last year of nonzero earnings (indexed to CPI) for individuals aged 55–59, by replacement rate percentile, 1979–2004
Year 5th
percentile
10th
percentile
25th
percentile
50th
percentile
75th
percentile
90th
percentile
95th
percentile
1979 0.22 0.24 0.25 0.32 0.44 0.82 1.58
1980 0.21 0.23 0.24 0.32 0.45 0.89 1.76
1981 0.21 0.22 0.24 0.32 0.46 0.94 1.95
1982 0.21 0.22 0.25 0.33 0.49 1.09 2.29
1983 0.21 0.22 0.26 0.35 0.52 1.19 2.45
1984 0.21 0.22 0.25 0.34 0.51 1.15 2.45
1985 0.21 0.23 0.25 0.34 0.52 1.19 2.49
1986 0.21 0.23 0.26 0.35 0.54 1.26 2.64
1987 0.21 0.23 0.26 0.35 0.54 1.26 2.61
1988 0.21 0.23 0.25 0.34 0.53 1.21 2.55
1989 0.21 0.23 0.26 0.36 0.55 1.24 2.64
1990 0.21 0.23 0.27 0.37 0.57 1.29 2.74
1991 0.22 0.23 0.27 0.37 0.60 1.43 3.11
1992 0.22 0.24 0.27 0.38 0.61 1.48 3.42
1993 0.22 0.24 0.28 0.38 0.62 1.56 3.54
1994 0.22 0.24 0.28 0.39 0.63 1.56 3.61
1995 0.22 0.24 0.28 0.38 0.62 1.50 3.43
1996 0.22 0.24 0.28 0.38 0.61 1.49 3.38
1997 0.22 0.24 0.28 0.38 0.60 1.43 3.21
1998 0.22 0.24 0.28 0.38 0.59 1.39 3.13
1999 0.22 0.25 0.28 0.39 0.60 1.41 3.21
2000 0.22 0.25 0.29 0.39 0.61 1.44 3.37
2001 0.23 0.25 0.29 0.40 0.63 1.51 3.44
2002 0.23 0.25 0.30 0.42 0.66 1.59 3.76
2003 0.23 0.25 0.30 0.42 0.66 1.66 3.83
2004 0.23 0.25 0.29 0.41 0.65 1.68 3.95
SOURCE: Author's calculations using Continuous Work History Sample data.
NOTE: CPI = Consumer Price Index.
Table equivalent for Chart A-21. Hypothetical replacement rates for disability-insured workers based on last year of nonzero earnings (indexed to CPI) for individuals aged 60–61, by replacement rate percentile, 1979–2004
Year 5th
percentile
10th
percentile
25th
percentile
50th
percentile
75th
percentile
90th
percentile
95th
percentile
1979 0.22 0.24 0.26 0.34 0.48 1.00 1.93
1980 0.22 0.23 0.26 0.34 0.50 1.07 2.12
1981 0.22 0.22 0.26 0.34 0.51 1.17 2.28
1982 0.22 0.22 0.26 0.35 0.54 1.23 2.59
1983 0.22 0.23 0.27 0.37 0.59 1.44 3.21
1984 0.22 0.23 0.27 0.37 0.59 1.45 3.11
1985 0.22 0.23 0.27 0.37 0.60 1.48 3.21
1986 0.22 0.23 0.27 0.37 0.63 1.59 3.30
1987 0.21 0.23 0.27 0.37 0.63 1.62 3.48
1988 0.21 0.23 0.26 0.37 0.62 1.63 3.53
1989 0.21 0.23 0.27 0.37 0.62 1.60 3.51
1990 0.21 0.23 0.27 0.38 0.65 1.79 3.96
1991 0.21 0.23 0.28 0.39 0.68 1.96 4.74
1992 0.22 0.23 0.28 0.40 0.73 2.05 5.14
1993 0.22 0.24 0.29 0.41 0.74 2.09 5.75
1994 0.22 0.24 0.30 0.43 0.77 2.28 6.22
1995 0.22 0.24 0.29 0.41 0.74 2.29 6.08
1996 0.22 0.24 0.29 0.41 0.74 2.20 5.75
1997 0.22 0.24 0.29 0.41 0.72 2.06 5.54
1998 0.22 0.24 0.30 0.42 0.72 2.04 5.65
1999 0.23 0.25 0.30 0.43 0.74 2.15 5.73
2000 0.23 0.25 0.31 0.43 0.74 2.12 5.66
2001 0.23 0.25 0.31 0.44 0.78 2.22 5.91
2002 0.23 0.25 0.32 0.46 0.82 2.39 6.05
2003 0.23 0.25 0.32 0.46 0.82 2.46 6.48
2004 0.23 0.25 0.31 0.44 0.80 2.39 6.37
SOURCE: Author's calculations using Continuous Work History Sample data.
NOTE: CPI = Consumer Price Index.
Table equivalent for Chart A-22. Fifth percentile hypothetical replacement rates for disability-insured workers based on last 3 years' average earnings (indexed to CPI), by age group, 1979–2004
Year Under 30 30–39 40–44 45–49 50–54 55–59 60–61
1979 0.32 0.26 0.24 0.23 0.22 0.23 0.24
1980 0.31 0.24 0.23 0.22 0.21 0.22 0.23
1981 0.32 0.24 0.22 0.22 0.21 0.21 0.22
1982 0.33 0.24 0.23 0.22 0.21 0.22 0.22
1983 0.35 0.25 0.24 0.24 0.23 0.23 0.23
1984 0.35 0.25 0.24 0.23 0.23 0.22 0.23
1985 0.35 0.25 0.24 0.23 0.23 0.22 0.23
1986 0.35 0.26 0.24 0.24 0.23 0.22 0.23
1987 0.35 0.25 0.24 0.23 0.23 0.22 0.22
1988 0.34 0.25 0.23 0.23 0.22 0.22 0.22
1989 0.35 0.25 0.24 0.23 0.23 0.22 0.22
1990 0.35 0.25 0.23 0.23 0.22 0.22 0.22
1991 0.35 0.25 0.24 0.23 0.23 0.22 0.22
1992 0.36 0.26 0.24 0.23 0.23 0.23 0.22
1993 0.37 0.26 0.24 0.23 0.23 0.23 0.23
1994 0.37 0.26 0.24 0.24 0.23 0.23 0.23
1995 0.37 0.26 0.24 0.23 0.23 0.23 0.23
1996 0.36 0.26 0.24 0.23 0.23 0.23 0.23
1997 0.37 0.26 0.24 0.24 0.23 0.23 0.23
1998 0.37 0.26 0.25 0.24 0.24 0.23 0.24
1999 0.36 0.26 0.25 0.24 0.24 0.24 0.24
2000 0.36 0.25 0.24 0.24 0.24 0.23 0.24
2001 0.37 0.25 0.25 0.24 0.24 0.24 0.24
2002 0.38 0.26 0.25 0.25 0.24 0.24 0.24
2003 0.38 0.26 0.25 0.25 0.24 0.24 0.24
2004 0.38 0.25 0.24 0.24 0.24 0.23 0.24
SOURCE: Author's calculations using Continuous Work History Sample data.
NOTE: CPI = Consumer Price Index.
Table equivalent for Chart A-23. Tenth percentile hypothetical replacement rates for disability-insured workers based on last 3 years' average earnings (indexed to CPI), by age group, 1979–2004
Year Under 30 30–39 40–44 45–49 50–54 55–59 60–61
1979 0.36 0.27 0.26 0.25 0.24 0.25 0.26
1980 0.35 0.26 0.24 0.24 0.23 0.24 0.24
1981 0.35 0.24 0.23 0.23 0.22 0.23 0.23
1982 0.37 0.25 0.24 0.23 0.23 0.23 0.23
1983 0.39 0.27 0.25 0.24 0.24 0.24 0.24
1984 0.39 0.27 0.25 0.24 0.24 0.23 0.24
1985 0.39 0.27 0.25 0.24 0.23 0.23 0.23
1986 0.40 0.27 0.25 0.25 0.24 0.24 0.24
1987 0.39 0.27 0.25 0.24 0.24 0.23 0.23
1988 0.38 0.26 0.25 0.24 0.24 0.23 0.23
1989 0.39 0.27 0.25 0.25 0.24 0.24 0.23
1990 0.39 0.27 0.25 0.25 0.24 0.24 0.23
1991 0.39 0.27 0.25 0.25 0.24 0.24 0.23
1992 0.40 0.27 0.26 0.25 0.24 0.24 0.24
1993 0.41 0.28 0.26 0.25 0.25 0.24 0.24
1994 0.41 0.28 0.26 0.26 0.25 0.25 0.24
1995 0.41 0.28 0.26 0.25 0.25 0.24 0.24
1996 0.40 0.28 0.26 0.25 0.25 0.24 0.24
1997 0.40 0.28 0.26 0.26 0.25 0.25 0.25
1998 0.41 0.28 0.27 0.26 0.26 0.25 0.25
1999 0.41 0.28 0.27 0.26 0.26 0.26 0.26
2000 0.40 0.27 0.26 0.26 0.26 0.26 0.26
2001 0.41 0.28 0.27 0.26 0.26 0.26 0.26
2002 0.42 0.28 0.27 0.27 0.27 0.26 0.26
2003 0.42 0.28 0.27 0.27 0.26 0.26 0.26
2004 0.42 0.27 0.26 0.26 0.26 0.25 0.26
SOURCE: Author's calculations using Continuous Work History Sample data.
NOTE: CPI = Consumer Price Index.
Table equivalent for Chart A-24. Twenty-fifth percentile hypothetical replacement rates for disability-insured workers based on last 3 years' average earnings (indexed to CPI), by age group, 1979–2004
Year Under 30 30–39 40–44 45–49 50–54 55–59 60–61
1979 0.43 0.29 0.27 0.27 0.26 0.27 0.27
1980 0.43 0.28 0.26 0.25 0.25 0.25 0.26
1981 0.43 0.28 0.25 0.24 0.24 0.24 0.25
1982 0.45 0.30 0.26 0.25 0.25 0.25 0.27
1983 0.47 0.32 0.28 0.27 0.26 0.27 0.29
1984 0.48 0.32 0.28 0.27 0.27 0.27 0.28
1985 0.47 0.32 0.28 0.27 0.27 0.27 0.28
1986 0.48 0.33 0.28 0.28 0.27 0.27 0.29
1987 0.47 0.32 0.28 0.27 0.27 0.27 0.28
1988 0.46 0.32 0.28 0.27 0.26 0.26 0.27
1989 0.47 0.32 0.28 0.27 0.27 0.27 0.27
1990 0.46 0.32 0.28 0.27 0.27 0.27 0.27
1991 0.47 0.33 0.29 0.28 0.27 0.28 0.28
1992 0.48 0.33 0.29 0.28 0.28 0.28 0.29
1993 0.49 0.34 0.30 0.28 0.28 0.29 0.30
1994 0.50 0.35 0.31 0.29 0.29 0.29 0.31
1995 0.49 0.34 0.30 0.29 0.28 0.29 0.30
1996 0.49 0.34 0.30 0.29 0.28 0.29 0.30
1997 0.49 0.34 0.30 0.29 0.28 0.29 0.30
1998 0.49 0.34 0.31 0.30 0.29 0.29 0.31
1999 0.49 0.34 0.31 0.30 0.29 0.30 0.31
2000 0.49 0.34 0.31 0.30 0.29 0.30 0.31
2001 0.50 0.34 0.32 0.31 0.30 0.30 0.32
2002 0.51 0.35 0.33 0.32 0.31 0.31 0.33
2003 0.52 0.35 0.32 0.32 0.31 0.31 0.33
2004 0.52 0.34 0.32 0.31 0.30 0.30 0.32
SOURCE: Author's calculations using Continuous Work History Sample data.
NOTE: CPI = Consumer Price Index.
Table equivalent for Chart A-25. Fiftieth percentile hypothetical replacement rates for disability-insured workers based on last 3 years' average earnings (indexed to CPI), by age group, 1979–2004
Year Under 30 30–39 40–44 45–49 50–54 55–59 60–61
1979 0.57 0.35 0.31 0.31 0.31 0.32 0.34
1980 0.57 0.35 0.31 0.30 0.30 0.31 0.33
1981 0.58 0.35 0.31 0.31 0.30 0.32 0.33
1982 0.62 0.38 0.33 0.33 0.32 0.33 0.35
1983 0.66 0.40 0.36 0.35 0.35 0.36 0.38
1984 0.66 0.41 0.36 0.36 0.35 0.36 0.38
1985 0.64 0.40 0.36 0.35 0.35 0.35 0.38
1986 0.65 0.41 0.37 0.36 0.36 0.36 0.38
1987 0.63 0.41 0.36 0.35 0.35 0.36 0.38
1988 0.62 0.40 0.35 0.35 0.35 0.35 0.37
1989 0.63 0.41 0.36 0.35 0.35 0.36 0.37
1990 0.63 0.41 0.36 0.35 0.35 0.36 0.38
1991 0.65 0.41 0.37 0.36 0.36 0.37 0.39
1992 0.67 0.42 0.38 0.37 0.37 0.38 0.41
1993 0.68 0.43 0.39 0.37 0.37 0.39 0.41
1994 0.69 0.43 0.39 0.38 0.38 0.40 0.43
1995 0.67 0.43 0.39 0.37 0.37 0.39 0.42
1996 0.67 0.42 0.39 0.37 0.37 0.39 0.41
1997 0.67 0.42 0.39 0.38 0.37 0.39 0.42
1998 0.67 0.42 0.39 0.38 0.38 0.39 0.43
1999 0.67 0.42 0.40 0.39 0.38 0.40 0.43
2000 0.67 0.42 0.40 0.39 0.38 0.40 0.43
2001 0.69 0.43 0.41 0.40 0.39 0.41 0.44
2002 0.71 0.44 0.42 0.41 0.40 0.42 0.46
2003 0.73 0.44 0.42 0.41 0.41 0.42 0.46
2004 0.73 0.43 0.41 0.41 0.40 0.41 0.45
SOURCE: Author's calculations using Continuous Work History Sample data.
NOTE: CPI = Consumer Price Index.
Table equivalent for Chart A-26. Seventy-fifth percentile hypothetical replacement rates for disability-insured workers based on last 3 years' average earnings (indexed to CPI), by age group, 1979–2004
Year Under 30 30–39 40–44 45–49 50–54 55–59 60–61
1979 0.86 0.49 0.42 0.41 0.41 0.44 0.47
1980 0.86 0.48 0.42 0.41 0.41 0.43 0.46
1981 0.89 0.50 0.43 0.42 0.42 0.44 0.48
1982 0.97 0.56 0.47 0.46 0.45 0.47 0.51
1983 1.05 0.62 0.52 0.51 0.50 0.53 0.57
1984 1.04 0.64 0.54 0.53 0.52 0.54 0.60
1985 1.00 0.62 0.53 0.52 0.52 0.53 0.60
1986 0.99 0.63 0.53 0.53 0.53 0.55 0.61
1987 0.97 0.61 0.52 0.52 0.53 0.55 0.62
1988 0.95 0.60 0.51 0.51 0.52 0.54 0.60
1989 0.96 0.60 0.51 0.51 0.52 0.55 0.60
1990 0.96 0.59 0.51 0.51 0.52 0.55 0.60
1991 0.98 0.60 0.53 0.51 0.53 0.57 0.63
1992 1.01 0.62 0.55 0.53 0.55 0.59 0.67
1993 1.03 0.64 0.56 0.54 0.56 0.61 0.70
1994 1.02 0.64 0.57 0.55 0.57 0.63 0.73
1995 1.00 0.62 0.55 0.54 0.55 0.61 0.71
1996 0.99 0.61 0.55 0.53 0.54 0.60 0.69
1997 0.99 0.60 0.55 0.53 0.54 0.60 0.70
1998 0.99 0.60 0.55 0.54 0.54 0.61 0.71
1999 0.99 0.60 0.55 0.54 0.54 0.60 0.71
2000 0.98 0.59 0.55 0.53 0.54 0.60 0.70
2001 1.00 0.60 0.56 0.54 0.55 0.61 0.72
2002 1.04 0.63 0.58 0.57 0.57 0.63 0.76
2003 1.07 0.65 0.60 0.58 0.58 0.65 0.77
2004 1.06 0.65 0.60 0.58 0.59 0.64 0.77
SOURCE: Author's calculations using Continuous Work History Sample data.
NOTE: CPI = Consumer Price Index.
Table equivalent for Chart A-27. Ninetieth percentile hypothetical replacement rates for disability-insured workers based on last 3 years' average earnings (indexed to CPI), by age group, 1979–2004
Year Under 30 30–39 40–44 45–49 50–54 55–59 60–61
1979 1.34 0.96 0.72 0.71 0.71 0.78 0.90
1980 1.30 0.94 0.72 0.70 0.70 0.75 0.89
1981 1.42 1.01 0.76 0.75 0.73 0.79 0.91
1982 1.69 1.19 0.88 0.88 0.84 0.91 1.04
1983 1.93 1.38 1.02 1.01 0.98 1.05 1.23
1984 1.92 1.43 1.07 1.06 1.06 1.12 1.33
1985 1.76 1.38 1.05 1.05 1.06 1.15 1.37
1986 1.65 1.35 1.04 1.05 1.07 1.15 1.38
1987 1.55 1.31 1.02 1.03 1.06 1.15 1.42
1988 1.48 1.25 0.98 0.98 1.02 1.15 1.40
1989 1.44 1.24 0.97 0.95 1.00 1.14 1.40
1990 1.42 1.21 0.96 0.94 0.98 1.13 1.42
1991 1.50 1.25 0.99 0.95 1.02 1.18 1.51
1992 1.61 1.29 1.05 1.02 1.06 1.25 1.61
1993 1.67 1.34 1.08 1.04 1.10 1.29 1.65
1994 1.63 1.34 1.09 1.06 1.12 1.35 1.77
1995 1.53 1.27 1.05 1.01 1.08 1.32 1.77
1996 1.45 1.23 1.02 0.98 1.04 1.29 1.76
1997 1.42 1.20 1.01 0.97 1.02 1.29 1.72
1998 1.39 1.17 1.00 0.97 1.01 1.27 1.79
1999 1.36 1.14 1.00 0.96 1.00 1.25 1.78
2000 1.34 1.11 0.98 0.93 0.98 1.23 1.70
2001 1.40 1.14 1.01 0.96 1.01 1.26 1.74
2002 1.53 1.23 1.09 1.02 1.06 1.30 1.91
2003 1.66 1.30 1.15 1.08 1.10 1.34 1.92
2004 1.71 1.36 1.18 1.12 1.13 1.40 1.96
SOURCE: Author's calculations using Continuous Work History Sample data.
NOTE: CPI = Consumer Price Index.
Table equivalent for Chart A-28. Ninety-fifth percentile hypothetical replacement rates for disability-insured workers based on last 3 years' average earnings (indexed to CPI), by age group, 1979–2004
Year Under 30 30–39 40–44 45–49 50–54 55–59 60–61
1979 2.34 1.84 1.22 1.23 1.23 1.38 1.62
1980 2.20 1.80 1.20 1.19 1.19 1.33 1.58
1981 2.42 1.93 1.31 1.29 1.26 1.46 1.71
1982 3.03 2.36 1.55 1.60 1.53 1.69 2.04
1983 3.63 2.82 1.88 1.90 1.88 2.02 2.55
1984 3.66 2.95 2.01 1.99 2.06 2.20 2.73
1985 3.25 2.79 1.97 2.00 2.05 2.28 2.78
1986 2.99 2.67 1.96 1.98 2.05 2.29 2.91
1987 2.73 2.63 1.89 1.88 2.04 2.25 2.85
1988 2.56 2.50 1.78 1.82 1.89 2.25 2.90
1989 2.47 2.44 1.74 1.72 1.84 2.22 2.93
1990 2.40 2.37 1.70 1.65 1.81 2.13 3.03
1991 2.51 2.45 1.78 1.71 1.85 2.29 3.41
1992 2.73 2.56 1.89 1.86 1.93 2.43 3.50
1993 2.89 2.65 1.98 1.89 2.04 2.55 3.70
1994 2.82 2.64 1.97 1.91 2.09 2.77 4.10
1995 2.59 2.51 1.89 1.80 2.00 2.69 4.28
1996 2.42 2.38 1.80 1.76 1.89 2.66 4.18
1997 2.29 2.31 1.78 1.73 1.86 2.60 4.06
1998 2.20 2.23 1.78 1.69 1.82 2.55 4.18
1999 2.13 2.17 1.75 1.67 1.78 2.44 4.02
2000 2.06 2.12 1.73 1.63 1.73 2.44 4.00
2001 2.18 2.17 1.78 1.68 1.82 2.50 3.99
2002 2.44 2.33 1.96 1.81 1.91 2.60 4.41
2003 2.75 2.55 2.13 1.92 1.97 2.68 4.33
2004 2.89 2.69 2.24 2.02 2.10 2.87 4.64
SOURCE: Author's calculations using Continuous Work History Sample data.
NOTE: CPI = Consumer Price Index.