First and foremost protect your health, it is the gateway to a sound and happy life. But accidents happen.
- One in three Americans will become disabled for 90 days or more before age 65.
- The average disability lasts two and a half years!
That is a long time to be without stable income. What would your financial situation be if you had to take 6 month or a year off work? No paycheck, but continuing bills. Where would you find the money for housing, food, your car and credit card payments? Now consider what it would be like if you were sick or injured and could not do any job at all. Your financial security, the foundation upon which you base all your other planning could be gone.
This is why we have disability insurance: to maintain your standard of living when you cannot work!