Is Buying Disability Insurance A Good Idea? 
The reality is that Americans ages 35 to 65have a 1 in 4 chance of becoming disabled for more than 90 days . Considering the average American only has 3-6 months of cash reserves in savings , you have to be prepared to cover your bills , mortgage , etc. in the even that you become disabled and can no longer work . And do n't forget that 90 percent of disabilities are caused by illnesses -- not injuries . You ca n't assume a disability wo n't happen to you , especially since there 's a 1 in 3 chance it might . 