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Unfortunately if you get a sudden illness or have a serious accident you might find that it

can drastically reduce your income or you may even lose your income completely. There may not even be a

warning that this is going to happen. You could be left with a small amount of money that will be needed

to help cover the costs of medication, therapies, nursing care, and many other health related expenses

that you have not budgeted for.

This is why disability insurance is important. Not only is it to help protect your health but also your

income and your savings. Disability insurance will offer you an alternative source of steady income at a

time where you need it the most. If you are not able to work your disability insurance will pay a monthly

benefit.

Many people will over look disability insurance but what they do not realize is the chance of being

disabled for a time period of ninety days or even longer is much higher than you would think. Disability

insurance is available as a short term or a long-term benefit. And if you are faced with a disability it

will help to ensure that your finances will not be in jeopardy.

This chart will help to show you your potential earnings to age 65 based on your current income assuming

there is a five percent increase each year.