What Is Disability Insurance And Should I Enroll? 
To addend to Peggy 's note above - she 's provided an excellent foundation . Disability protection is critical to a solid financial foundation . Unfortunately , mostdo not realize how important protection is until it 's too late - after they become too sick or hurt to work . The chances of suffering a disability are higher than manythink and the effects can be devastating . As Peggy said , if you depend on your paycheck - you need to consider this converage strongly ! Consider This : Almost one-third of Americans entering the work force today -LRB- 3 in 10 -RRB- will become disabled before they retire . -LSB- Social Security Administration Fact Sheet Jan 2009 -RSB- Applications for Social Security benefits increased by 21 percent , but only 35 percent of the 2.8 million workers who applied for SSDI were approved . -LSB- Social Security Administration Office of Disability and Income Security Prgrams . -RSB- 