Why Purchase Disability Insurance? 
Why purchase Disability Insurance ? To replace part of your income in case you become disabled . Not everyone has the income or need to purchase Disability Insurance . You may be getting it from your employer already . Or perhaps your wages and assets are low enough that you would be better off going on Social Security or SSI if you suffered a permanent disability . For most workers , however , having Disability Insurance is a necessity as most families can not get along without one income . 