Is Disability Insurance Really Necessary? 
Disability insurance is paycheck protection 24/7 , unlike workers comp , which pays for injuries experienced on the job . Social security disability can help , but in most cases its inadequate . It is possible that you may have short term disability through your employers group benefit plan . Still the combination of all three will generally fall short of sufficient coverage . The average American worker has 90 days in cash reserves . The average long term disability period is 30 months . The odds of being disabled during your working life are a statistical probability , more than death . Is disability insurance protection with 5-8 % of your pay ? You make the call ! 