Why Would I Need Disability Insurance? 
Disability insurance is a way to protect your income if you were to become sick or disabled . If you were unable to work and earn an income because of a sickness or injury , a disability insurance policy would pay you a portion of your income so you could continue to live the lifestyle you are accustomed to . Think of how much your ability to earn an income is actually worth . If you make $ 40,000 per year and are planning to work for another 25 years , If you multiply your income by the number of years you will work then your ability to earn an income is worth $ 1,000,000 -LRB- $ 40,000 X 25 years -RRB- . The actual figure will be much higher because you will most likely get raises . 