While it would certainly be nice to be able to predict what may happen to us in the future, so that we can best manage our finances knowing what we would need to be secure, this of course is probably not going to be part of our what we comprehend.
No one likes to spend extra money on something they might not need. However, no one knows what the future holds for them, the best thing you can do is be prepared for any circumstance good or bad. Disability insurance is a great way to have a plan for the worst. It is nice to know that your family is okay if you get hurt at work or have some sort of medical problem that keeps you from being able to go to work.
If you have disability insurance they will pay you an income if you are to get sick or hurt yourself and are not able to work.
The last thing most people want to think about is how am I going to take care of myself and how will I afford it when I get older or become disabled and need long term care. When we