Why Is Disability Insurance Necessary? 
Disability Insurance is necessary because you NEVER know when you might become sick or disabled . While many people think , `` Oh , my savings will take care of me while I recover , '' they forget that some illnesses or injuries can be disabling for the rest of a person 's life . Having disability insurance provides you with the security of knowing that , even in the case of a prolonged injury or sickness , you 'll still receive a monthly income for a pre-determined amount of time . 