Often younger people in their 30's in very physical jobs are at the highest risk for disabilities that can affect them for short or long periods of time. Often disability insurance is not considered by these highest risk groups simply because they see it as an insurance for older people.
When considering disability insurance it is important to understand how it may or may not affect other benefits you may be eligible to receive such as SSI., workman's compensation or even unemployment benefits. Talk to your employer and insurance agent and find out what is the best combination for your individual needs.
While no one plans to be hurt or be involved in an accident, things happen. Disability insurance is a tool that can be used to help protect those that do have bad situations happen to them. Your family is likely to need the income that this type of insurance can provide.
