Most Western Europeans underestimate their personal risk of becoming unable to work, according to an August 2015 survey by Zurich covering six European countries. Respondents generally tend to overestimate accidents as a leading cause of disability. But at the same time, they are unaware that the probability of becoming work-disabled during one’s working lifetime – whether due to an accident or other causes – may be as high as 25%. Seven in 10 respondents believe they would have significantly less household income if they became disabled. Yet they say that they would need at least the equivalent or more to maintain their current lifestyle.