Is Disability Insurance Necessary? 
Disability Insurance replaces up to 80 % of your income at a time when you can not work . For most people , receiving their income is a necessary factor to live a normal life without tremendous upheaval . Granted , becoming disabled itself can carry emotional , social and physical trauma . But to take away income complicates things at a time when further disruption is not needed . Social Security Disability Insurance does exist , but it takes longer to get , does not replaces as much income as an individual policy , and requires that you can not work at any job . 