The 7-Year Shock Report

Most workers would face financial pressure within three months of being unable to work

Published: 26 Oct 2026

New report by economist Jim Power, commissioned by Aviva Life & Pensions Ireland (Aviva), highlights the potential financial impact of being unable to work for an extended period. 

Separate Aviva research among 1,000 workers found more than half would face financial pressure within three months if their income stopped.

Key findings:

  • More than half (55%) of workers would experience financial pressure immediately or within three months if their income stopped
  • 89% would be worried about their finances if unable to work for more than six months due to illness or injury
  •  72% have less than four months of essential living expenses saved  
  •  60% would not feel financially prepared once employer sick pay or income support ends
  •  64% do not have income protection insurance 

The report, ‘The 7-Year Shock’, examines the potential financial consequences of being unable to work due to illness or injury for the average duration of an Aviva income protection claim, which was 7.8 years in 2025.

Download the 7 Year Shock Report

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Aviva Life & Pensions Ireland Designated Activity Company, is a private company limited by shares, registered in Ireland No. 165970. Registered office at Building 12, Cherrywood Business Park, Loughlinstown, Co. Dublin, D18 W2P5. Tel (01) 898 7950, www.aviva.ie

Aviva Life & Pensions Ireland Designated Activity Company, trading as Aviva Life & Pensions Ireland and Friends First, is regulated by the Central Bank of Ireland.