Should I Take Long Term Disability Insurance? 
Certainly long term disability insurance is risk management tool that every responsible person needs to seriously consider . The average working age American has about a 25 % chance of being disabled for some portion of their life . So , 75 % of us avoid disability if you look on the bright side but a 1 out of 4 chance that you 'll be the unlucky person is pretty sobering . Your chances of being disabled for some period are far higher than your odds of winning the Powerball Lottery . And , if you do experience a disability close to 40 % of those unlucky persons experience a disability period in excess of 5 years with the average disability lasting 82 months from recent figures I saw . The challenge , as with so many things in life , is effectively managing all the risks that life presents us with . Health care , dental care , vision care , the risk of death , oh and somewhere in there you 've got to eat and have shelter and live a life . I ca n't say that long term disability insurance should be your number one priority over eating but it 's certainly more important than having a set of spinners on your car or having the ultimate man cave . Disability insurance should be high on your list of risks to manage and the younger in life you make the commitment the more economical it will be . 