Panel B provides a better gauge of the risk by focusing on inflows into disability. The annual percentage-point increase in the recipiency rate prior to the crisis (2000 to 2007) is compared to the growth rate observed after the onset of the crisis (2007 to 2009 or 2010 depending on latest information available). That being said, factors other than the business cycle may also affect these recent trends in beneficiary numbers, making it difficult to discern the impact of the recent upsurge in unemployment. These factors include population ageing, since disability prevalence increases with age (OECD, 2010d), and disability benefit reforms.