1. 0 POINTS
    David RacichPRO
    Fountain Hills, Arizona
    Anyone who earns a living and wants to protect their paycheck should get disability insurance. The statistical odds of becoming disabled during your working life are too great to ignore. The average disability period is 30 months; the average emergency cash reserve is 90 days. And it is highly recommended that you also insurance your retirement contributions as well.
     
    Answered on May 29, 2013
  2. 63333 POINTS
    Peggy Mace
    Most of the U.S.
    If your family relies on your paycheck to pay the bills, you should have long term disability insurance. If being disabled for more than 30 days would put your home, utilities, health insurance, or your ability to feed your family in jeopardy, you should have long term disability insurance. Most people purchase long term disability insurance even to protect their standard of living.
    Answered on November 10, 2014
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