Could your family withstand the economic loss resulting from your short term or long term disability?
Expenses from a disability can be persistent and substantial, with the potential to last for years. According to the Council for Disability Awareness, the average duration of a long-term disability is two years.
People who have become disabled and are no longer able to work still need to purchase what they did before—they still need to eat, sleep and have shelter. In addition, they usually have ongoing medical issues that need to be treated. They may have special needs requiring special equipment or retrofitting of their home and auto.