Who Should Buy Disability Insurance And Why? 
Any person is dependent on an income should look into disability insurance . While you might have substantial savings , the average long term disability claim is 31.2 months -- you do n't want to drain your savings just because you 're sick or injured . Often times , businesses need to purchase DI on a specific employee so that their business can still function if that pivotal team member is unable to work . DI is peace of mind ! 