Individual disability insurance is simply income protection. You can’t predict what your health will be in the future. You may stay active and eat healthily, but most disabilities are actually caused by unexpected illnesses such as cancer and accidents.
If a medical condition prevents you from being able to work, disability insurance is there to provide funds so you can focus on taking care of yourself instead of having to worry about how the bills are going to be paid.
What are the chances of becoming disabled?
The risk of having a disabling injury or illness during your working years may be greater than you think. Here are some statistics to consider from the