How Does Disability Insurance Protect You? 
How does Disability Insurance protect you ? By protecting your INCOME . Unless we are fortunate enough to have a partner who makes enough to support our lifestyles , most of us would undergo substantial hardship by losing our source of income due to a disability . Even short term disabilities can quickly deplete the reserves some of us have stashed away for emergencies . Long Term or permanent disabilities can be devastating to even high income earners . Having Disability Insurance does not provide you with 100 % of your original salary , but can replace approx 70 % of it so that you at least have some time to regroup and evaluate your employment and lifestyle situation . It may be possible to live on 70 % of your income , even indefinitely . It is not possible to live with no income at all . That is the protection Disability Insurance provides . 