Many individuals believe because they work at a non-hazardous job they needn’t worry about disability insurance. Should an injury or a lengthy illness occur, they assume their employer’s disability insurance plan will cover their needs.

Nothing may be further from the truth. 43 percent of workers over the age of 40 are likely to require disability coverage at some point in their working lives, and according to the Council for Disability Awareness, the average long-term disability absence from work is 2.5 years. Unless the worker has adequate disability coverage, they may find themselves in financial ruin.