It is important to have disability insurance because you never know when you might be out of work and having this insurance you will still get a paycheck.
You never know when you might be in an accident or you might get sick and to miss work and have no income can be devastating for you to deal with.
Disability insurance will give you peace of mind if you get into a situation where you can not work and you need an income.
If you have a family that relies on your income there there is even more reason to make sure you are protected from the worse case scenario happening.
You may have medical insurance and this will pay your medical expense if you are sick or injured but you need money to pay your regular monthly bills as well and disability insurance can give you this.
There are long term and short term disability that you can receive through the government but even these are limited.
So having a supplemental insurance coverage plan makes a lot of sense for you and your family.
It is important that you sleep at night without having to worry what would happen if you got injured and were not able to work and support your family.
Remember that finding a low cost disability plan is not hard to do but you need to compare the price and policy that is offered.
Make sure that the policy covers you for any possible situation so that you can feel at ease that you family will be able to pay the bills.