Why Is Disability Insurance Needed? 
Disability Insurance protects your paycheck should you become sick or disabled . For most people , if you 're unable to work , a savings account can only last for so long . Disability Insurance will pay a percentage of your income for a pre-determined amount of time -LRB- many times up to age 67 -RRB- . According to the Social Security Administration , one in three Americans between ages 35 and 65 will become disabled for more than 90 days at some point in their career . 