The chances that you will need your disability insurance benefits are very high. According to the Council for Disability Awareness, 1 in 4 people over age 20 will become disabled before they retire. So if you have people counting on your salary to put food on the table, pay the bills, and make sure everyone can keep their lifestyle, then we recommend you keep it until you are able to retire.  Even if you’re single, then it is even more important because if you can’t bring in an income, then you typically won’t have anyone else to help you, and so our answer is the same.  Another scenario is for people who are self-employed. In that case, if you aren’t able to work, then there is no income coming in, and you won’t be able to rely on any benefits you may have had if you had worked for an employer.  So, we think it’s actually more important than life insurance in some instances since it’s income protection. Without your income, it can be a struggle to get by, and it could become a hindrance towards getting better from your illness or injury.