Why Is Disability Insurance Important To Have? 
Disability Insurance can pay you a monthly benefit should you ever become sick or disabled . It 's commonly thought that you do n't need disability insurance if your job does n't put you at risk , but people fail to realize that 90 percent of disabilities are caused by illnesses , not by accidents . Whether you break your leg skiing , get cancer or havea mental nervous problem , disability insurance can protect your income when you 're unable to work . 