Sometimes life events can interfere with your work: if you should suddenly become disabled it could immediately affect your ability to gain an income. Further, without an income to rely on you and/or you and your family could wind up financially devastated. Instead of constantly worrying about the possibility of financial ruin in the event of a Disability, many employed workers have Disability Insurance that will cover them if they have become disabled. As well, it is not uncommon for people to invest in additional protection: it is always wise to plan ahead, especially if one wants to protect themselves from financial complications in the future.

A regular income is clearly necessary for survival and there really is no getting around that fact. Yet, a sudden illness or injury can create a significant problem in maintaining that income. A disability insurance policy is a solution that will help a disabled worker to keep a large part of their income intact during the time that they cannot work.

Imagine suddenly becoming too ill to work or injuring yourself so badly that you couldn't work for several months. What would you do? If you are married and your spouse works, you may be able to rely on a singular income, but your finances are certainly going to suffer. What about your savings account? You will be surprised to see how quickly your savings account dwindles away when you are not actively working.

Now consider your finances: you have to buy food every month; you may have a house in Indiana or car payment; insurance payments; and finally, if you have children, consider all of their financial needs. How do you plan to pay for everything with no income or only half the normal income coming into your household? Insurance disability coverage makes it possible for you and your family to maintain the lifestyle you were all accustomed to before your injury or illness.
information from http://articles.directorym.com/Disability_Insurance_Indiana-r948-Indiana.html