Is Disability Insurance Important? 
Disability insurance is a very important part of a successful financial plan . Life insurance protects your loved ones in case of a sudden death . Disability insurance protects you in case you lose your ability to earn a living due to an illness or injury . Statisticallyspeaking you are 8 times more likely to become disabled than to die . The minimum time to receive social security benefits after filing is 9 months and can take years . 