This project aimed to find an explanation as to why Social Security’s Long Term Disability (LTD) incidence rates have increased in the past few years while Unum has not experienced the same results. We worked with Unum’s complete LTD data and publicly available Social Security and Census data in attempts to identify a solution. We developed a method to accurately compare Social Security and Unum incidence rates and explored several promising theories that could not be confirmed without more data.