Who Buys Disability Insurance? 
A person should consider buying disability insurance if he/she would suffer a financial hardship if an illness or accident were to interrupt or stop his/her earned income . This broad answer to the question would seem to include almost everyone who works and earns an income , certainly with some exceptions . Some people are provided this coverage from their employer , others who are self-employed -LRB- for example -RRB- would not be covered by a work-place plan . There are several ways to obtain coverage , which a trained professional insurance advisor would help sort through . 