Who Really Needs Disability Insurance? 
Anyone who relies on an income needs disability insurance . Unless you 're able to retire tomorrow , it 's unlikely your savings would last more than 6 months in the event of a disability that kept you from working . Disability insurance pays a benefit in the event that you can no longer work due to an illness or injury . 1 in 4 of today 's 20 year olds will become disabled at some point in their working career , so there 's a higher probability of you becoming disabled than you might think . 