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Do You Need Disability Insurance? Insurance is a part of life that a lot of people don't like to think about. It is something we have to have but we don't have to be happy about it. Let's face it, nobody likes paying insurance premiums!The government makes us buy car insurance if we want to drive a car, and the bank makes us buy homeowners insurance if we want to get a loan. Besides that, everybody needs health insurance but none of these things seem like a real benefit....we may go our entire life without actually using these things.There is one type of insurance though that can be incredibly important and most people don't know anything about it whatsoever. I'm talking about disability insurance.Disability insurance is simply insurance that pays if you are hurt and can no longer perform your job function. Lots of people have life insurance that handles the same function if you die so that your family continues to maintain their lifestyle; but most people don't think about buying it for less fatal things such as getting hurt on the job even though your family will still need to replace the income that you will lose by not being able to perform your job.Some...more
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