Who Needs Long Term Disability Insurance? 
Any person who is dependent on an income needs disability insurance . DI protects your income in case you can no longer work due to a sickness or injury . It allows you to stay financially afloat by covering whatever you need , from bills , your mortgage , co-pays , etc. . The average person only has 90 days of cash reserves , yet the average long term disability claim is 31.2 months ... a lot more than what the average person has on hand ! 