Is Disability Insurance Worth Having? 
Is disability insurance worth having ? The answer depends on the individual . What we 're talking about with disability insurance is paycheck protection . Disability insurance does n't pay for a medical claim , at least not directly . Disability insurance simply creates a pot of money to use as you would with your paycheck . It is up to the individual to decide the worth of protecting their paycheck . Maybe if there 's passive income or massive savings the need for disability insurance may not be that great . But , if you 're not in that position financially , you should think long and hard about disability insurance . 