What is short-term disability and why should you care? The article mentions that nearly one-third of all Americans between the ages of 35 and 65 will suffer a serious disability. At least according to the American Council of Life Insurers. Call me skeptic, but that is saying when you are standing in line at the supermarket either you or the person behind you or the person in front of you will have a serious disability. At least read it to understand what is being offered and make your own decision.