Pay your bills when you can't work
Insurance for when you are unable to work for a long period of time due to severe illness or accident disability income insurance will replace up to 55% of your income while you are disabled. Not having disability income protection would be like not protecting "The Goose That Lays The Golden Egg."
Most policies will have a 90 day elimination period (or wait) before benefits begin being paid to make the premium more affordable. Ask yourself this question, If I were disabled and couldn't work for more than a 90 day period, how long would employers, family and friends continue to pay MY bills and living expenses?
Having disability insurance in one of the strongest elements of financial planning.