Most people plan for their deaths, more than they plan for becoming disabled. Unfortunately, you are more likely to become disabled during your prime working years, than you are to die. Being out of work for an extended period of time can be devastating to your families finances, leaving you with your living expenses, medical expenses, and no income.

That’s where disability insurance comes in. When you are unable to work for an extended amount of time because of an injury or illness, you can collect monthly benefits until you are well enough to return to work.