Most people overlook the importance of protecting their income if they were too sick or hurt to work. An individual is over 3 times more likely to suffer from a disabling sickness or injury than to die pre-maturely in their working years. Some disabilities last for many months or years and even for the rest of the working life of an individual meaning potentially millions in lost income. To make matters worse, disabled individuals not only lose income but their cost of care is usually much higher than a healthy person. Disability insurance protects the individual and their family from both short term or long-term disability and the subsequent loss of income.