Though the odds of disability run high for American workers, only 3 percent have enough disability insurance to replace all of their income, according to a new survey by COUNTRY Insurance & Financial Services. Further, more than one-third (35 percent) say none of their income would be replaced if they were unable to work.

According to the Social Security Administration, 30 percent of American workers will suffer some type of disability in their lifetime. Many people surveyed say they would not be able to maintain the same quality of life for very long if they became disabled. In the short-term, one-third (33 percent) believe they could not maintain their lifestyle if disabled and out-of-work for 90 days, and another 18 percent are unsure.

Disability Insurance low on priority list:

- Sixty-two percent of Americans value other forms of insurance protection, such as homeowners (43 percent) and auto insurance (19 percent), over disability insurance. Just 22 percent value disability insurance most.

- If they were disabled, one quarter (26 percent) say they either do not know where their income would come from or their income would come from no where.

- Nearly one-in-three (31 percent) expect their disability income to come from the government, despite Social Security Administration reports that less than half of all disability claims are approved.

"People should consider income their most valuable asset," says Keith Brannan, director of the Financial Security Office at COUNTRY. "It is important to determine if you have adequate coverage to protect your income before the unforeseen happens and avoid the risk of losing other important assets. In fact, research shows disability causes nearly half of all mortgage foreclosures."