Disability strikes working people more frequently than pre-mature death. For example, a 20 year-old man is approximately three times more likely to be disabled for at least 90 days than he is to die before the age of 65. Alternatively, a 35 year-old woman is approximately seven times more likely to face a disability than death before the age of 65.
If you become disabled, your ability to earn income may be compromised, and your ability to pay bills or save for retirement may decline. Disability insurance plans are designed to help you meet your income requirements so you can concentrate on recovering from your disability and return to an active lifestyle.