Who Needs Long Term Disability Insurance? 
Who needs long term disability insurance ? Anyone who has an income that is relied upon for life 's essentials . In my work as impaired risk specialist for insurance products , I hear from many , many persons who have had to go on Social Security Disability due to a chronic illness or injury . What is shocking is the broad range of former occupations they held . Doctors and farm owners end up in the same financial situation as dishwashers and field workers . The chances of becoming disabled are too high and the consequences of becoming disabled are too harsh . For that reason , most people need Long Term Disability Insurance . 