The first question to ask when it comes to disability insurance is this: What would be the consequences of a work stoppage for 3 months or more to your finances? If you do not have the cash to cover a short, medium, or long-term loss of wages, you probably need disability insurance, also called salary insurance, to protect your savings and the financial security of your family. As a worker, there is a 1 in 3 possibility that you will need to miss work due to a disability during your period of employment. Whether due to injury or illness, disability can happen to anyone and wreak financial havoc which does not help with recovery. When faced with a disability, all your energies should be focused on healing. See how you can avoid financial problems and focus on your health in this article.