Here’s another article on why you should have disability insurance. As stated in the article: We buy homeowner’s insurance in case the roof caves in, and collision insurance in case the car gets banged up. But the money machine that pays for these things often goes uninsured, or under-insured. That money machine is your ability to earn income, and if you are injured, become ill or disabled and are unable to work, the money machine will stop producing cash. How, and for how much, you insure yourself depends on your earning power, your dependents and other insurance coverage you may have through your employer. But most people don’t understand the details of their group insurance plan. They may not realize until it’s too late that the plan falls short of their specific needs. “A group policy is tailored to the average person, and it may not be adequate to meet your particular need.” For individual disability insurance policy information and quotes, check out protectyourincome.com.