Why Do People Need Disability Insurance? 
This is an import question that every consumer should and take seriously . Disability insurance is fundamentally paycheck protection . The odds of you experiencing a disability , lasting at least 30 months , is statistically and substantially higher than dying . All your domestic expenses and future obligations are predicated on your earning ability . Its that important ! Buying term life insurance and spending the difference on disability insurance is a foundational part of defensive planning . 