This question is asked every day, and frankly we wonder why it is asked. Ask yourself this question, "When was the last time I took a 9 month vacation?". If the answer is never, than you need disability insurance. If you knew that the odds of becoming seriously disabled were only 5%, would you go without disability insurance? Would you put your entire financial security at risk of a total collapse by not having disability insurance? That's what happens to people who don't have disability income insurance when a sickness or injury prevents them from bringing home a paycheck. Think about the financial stress in your life right now, then amplify it ten-fold when there is no monthly income because of your disability. The odds are much higher that you will suffer a period of disability lasting 90 days or more before you reach the age of 65.

Now that you have a better understanding of the risk, is it enough to necessitate obtaining a personal long term disability insurance policy? Can you go on a 9 month vacation without skipping a beat financially? That's the big mistake that people make when they decide on disability insurance, we hear the excuse "I could make it almost a year without an income". Our questions is "WHY?", why would you want to? Disability insurance premiums are generally only 2 or 3% of your total annual income to make sure that should you become sick or injured you will always have an income coming in every month. Not having disability insurance is a BAD MOVE, there is no excuse for not having it unless you are independently wealthy. The worst excuse is "I can't afford it", that only means that you are on the edge more than many, and have the most to lose in the shortest amount of time.