If you get hurt or sick, there are four sources of income for your family:
How long could you meet your current monthly expenses without your current paycheck? If you have hospitalization coverage you have probably guaranteed the doctors and nurses their income. Doesn't it make sense to guarantee your income with Disability Income coverage? You can say, "I don't need it," but can you say, "my family won't need it?" While you haven't needed it yet, do you carry a spare tire in your car? If you had a money-making machine that produced $1,000 dollars every week, wouldn't you insure it against loss, damage or theft? If you save 10% of your income each year, one year of disability could wipe out 10 years of your savings. Do you find it hard to live within your income? How would it be living without that income?
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