Who Needs Disability Income Insurance? 
Anyone who makes a paycheck needs disability insurance -LRB- unless you have a net worth so large , the funds could support you for the rest of your life -RRB- . Disability Insurance pays out a monthly benefit that is about 55-65 % of your paycheck should you become ill or injured and can no longer work.You have to stop and think , `` If I can no longer work , how long can I go without an income ? '' For most Americans , the amount of time is only 6 months . Prepare yourself for the future ! 