Who Needs Disability Insurance? 
Anyone who values their paycheck should get Disability Insurance . If you were to become disabled due to asicknessor injury , DI would pay a percentage of your income -LRB- about 60-65 % -RRB- while you are unable to work . Considering the average American only has 90 days of cash reserves , yet the average disability lasts 31.2 months , it 's important to be protected . 