Why Would I Need Disability Insurance? 
The only reason anyone would need disability insurance is the need to protect your most valuable asset , your ability to earn a living . If you are debt free and independently wealthy , there is no need for disability insurance . However , if you work for a living and need that stream of income you absolutely need disability insurance to protect yourself in the event of an injury or illness that disables you . You are 8 times more likely to become disabled than to die . Disability pays up to 70 % of your income in order to keep paying monthly bills for your self and your loved ones . 