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.
All disability insurance policies and programs are different. Be sure to take the time to read through and fully understand what the insurance product is offering and what the procedures for using that product are. You will be surprised at the differences here.