Using the method first presented by Sullivan, the article presents res
ults on health expectancy by level of education and gender in the late
1980s in Finland. The life tables by level of education cover the yea
rs 1986-90. Indicators of disability and poor health were based on thr
ee variables from the nationwide 1986 Survey on Living Conditions (N =
12,057): limiting long-standing illness, functional disability and po
or self-perceived health. Two cutting points indicating different leve
ls of severity of disability or poor health were used for each measure
, giving six dichotomous indicators. Disability free life expectancy a
nd life expectancy with disability were found to depend strongly on th
e indicator of disability, but the patterns of differences both betwee
n genders and between educational categories were largely independent
of the indicators used. Life expectancy as well as disability-free lif
e expectancy showed a systematic relationship with level of education:
the higher the level of education, the higher the life expectancy and
disability-free life expectancy. The differences between educational
categories in disability-free life expectancy were markedly larger tha
n in total life expectancy. Life expectancy with disability was shorte
st among the more educated and longest among the less educated. Due to
the higher life expectancy and the higher prevalence of disability am
ong women, life expectancy with disability was longer among women than
men according to all indicators. (C) 1997 Elsevier Science Ltd.