Why Do People Need Disability Insurance? 
People need Disability Insurance to replace part of their income if they were to become temporarily or permanently disabled . Some causes of disability are back injury , chemotherapy treatments , staph infection , etc. . Becoming disabled for any period of time can be stressful , scary , and expensive . Losing one 's income at the same time can be devastating . Disability Insurance provides financial support that can also lessen the emotional and physical impact of this experience . 