Why Buy Long Term Disability Insurance? 
Why buy long term disability insurance ? Buy it to prevent a hardship from becoming a tragedy . When an injury or illness is severe enough to cause someone to be laid off for months or years at a time , additional bills are racked up in addition to normal living expenses . Disability Insurance provides up to 80 % of the income lost , allowing most workers to get by without having to move and make other drastic changes at a difficult time . 