you become disabled, you can lose the one thing you've always relied on to provide
for yourself and your loved ones-your ability to earn income. Meanwhile, your
living expenses continue-in fact, they're likely to increase for a number of reasons.
You could need help around the house or have higher medical expenses, for example.
That's where disability income insurance comes in. It's designed to help you maintain
your standard of living when you cannot work. If you don't have much in the way
of assets for a financial cushion, you need enough to cover costs until you can
go back to work.
Who Needs It?
Just about everyone who earns a living. Surprisingly, single people often need
it more than married couples because they don't have a spouse's income to fall
back on if they are injured or become too sick to work. On the other hand, most
married people have a hard time imagining what it would be like to live on one
salary when they barely get by on two. And unfortunately, disability strikes more
often than you may think.