If you are unable to work, as you will pay for your mortgage, or go to do the grocery shopping? If something happens, an accident or a disease, where it does to leave money to care for his family? Their children? It is a fact that one of every three people between the ages of 25 and 65, will suffer some kind of disability that lasts for at least three months during the time of his career. To read more click here: Anne Lauvergeon. As any financial representative will tell you, disability insurance can protect your income and your lifestyle, when such events occur. There are many false beliefs that other disability income related to alternatives will has properly supplement their lost wages, and you should not worry about this type of policy. Many believe that the compensation of the worker will have cover their lost income, but in reality, this benefit covers only by your injury or illness if they have occurred during the work. Does that happen if you are in a car on the way to work accident? That will happen if you have complications due to pregnancy? Others feel that Social Security is going has cover for lost income. However, Social Security can take several months or years to begin receiving monetary benefits, and will only have provide the benefit if you are unable to work in any job, not just the work that you have been trained and currently plays. As an example, if you have an accident that leaves him paralyzed from the waist down, you perhaps cannot work in construction, or handle more, but you will surely work in the local mall for minimum wage. In addition, Social Security has very strict definition that is considered to be disabled: your disability must be anticipated to last at least one year or that lead to death. Believe it or not, many groups of policy of disability through their employer can leave you short with respect to the income you receive.