Table 3. Relative risk (hazard ratio, HR, with 95% confidence interval) of the granting of disability pension 1991-2008 per one (1) point decrease in cognitive ability score at conscription on a stanine scale, with adjustments made for each variable separately and in combinations of variables according to stage of life.

	Disability pension 1991-2008
N= 44 144; 4 899 disability pensions granted.
	HR	CI 95%	Reduction in HR (%)
Crude	1.26	1.24-1.27
Adjusted for:
A. Pre labour market entry
Childhood SEP	1.25	1.23-1.27	4
Personality factors (emotional control, social maturity)	1.21	1.19-1.22	19
Health lifestyle factors (smoking, risky use of alcohol, high BMI score)	1.23	1.21-1.25	12
Psychiatric diagnosis at conscription	1.23	1.21-1.24	12
Musculoskeletal diagnosis at conscription	1.25	1.24-1.27	4
All factors pre labour market entry	1.19	1.17-1.21	27
B. Adulthood, post labour market entry
Unemployment 1974-90 (years with benefit, 5 groups)	1.22	1.20-1.23	15
Education	1.19	1.17-1.21	27
Adulthood BMI	1.20	1.18-1.21	23
Income	1.19	1.17-1.20	27
All adult factors, post labour market entry	1.13	1.11-1.15	50
A + B: Full adjustment	1.11	1.09-1.13	58