Disability is a condition that prevents you from performing the major duties of your occupation or you are disabled if you can't work at any gainful occupation. Disability insurance is a form of insurance that ensures you to earn a certain income against the risk that disability will make impossible. The number of disability workers increases day by day and according the experts, approximately one out of seven people who are between the ages 35-65 can expect to become disabled for five years or longer.
It's hard to imagine the situation where you are unable to work at any gainful occupation. Without an income, your savings are rapidly depleted as you struggle to maintain the household and meet expenses. Disability insurance will guarantee that you will earn a pay if you became unable to work. Don't wait until your health declines or experience a disability before you get
disability insurance. At that time, you may no longer be insurable or if you are still insurable, it will certainly be at a higher premium.
