Why Should You Purchase Disability Insurance? 
Disability insurance is one of the most under sold insurance products in the market . The fact is an average person is 8 times more likely to become disabled than to die . It can have an expensive premium depending on your underwriting class , but at claim time you will be glad you purchased it . Most people depend on the US government for their disability benefits known as SSI through their Social Security . This process takes a minimum of 9 months to complete and most folks are in dire straits financially before receiving their benefits . I would suggest at a minimum purchasing a short term disability plan . This plan will have a shorter elimination time and pay benefits faster in case of an illness or injury so severe you can no longer work . A good long term disability will coordinate with your SSI to pay benefits as far out as 67 years old and up to 70 % of your income . Also buyer beware of cheaper accident only disability plans . Statistically 90 % of all worker related long term disability claims are illness related not injury related 