What would happen if you become ill or disabled and couldn’t work? How would you pay your bills, rent or mortgage? How would you buy food and make your car payments? Most people don't realize the high probability of becoming disabled, permanently or temporarily, at some point in their lives.
Between the age of 40 and 65, the chance of becoming disabled for 90 days or more is 43%. That means during a 25-year period, nearly half of all people will suffer a disability of 90 days or longer. When you can’t work, disability insurance goes to work for you.