Why You Should Buy Disability Insurance? 
You should buy Disability Insurance if you have an income that would be entirely lost if you were unable to work at all for a short or long period of time . If your job is specialized and it would be very difficult for you to work or make a living at an alternative job , you could get Disability Insurance that covers your `` own occupation '' so that you do not find yourself working at something that makes you miserable for the rest of your life . 