Direct answer
It depends on your current savings buffer; however, without disability insurance, a long-term injury could halt your ability to earn the very income you need to contribute to your retirement. Protecting your primary income-earning ability is often considered a prerequisite to building long-term wealth.
Financial planning best practices regarding asset protection and human capital risk management. For additional information about the likelihood of disability occurring during one’s working years, see the Social Security Administration’s fact sheet on disability risks.
What this means for you
It depends on your current savings buffer; however, without disability insurance, a long-term injury could halt your ability to earn the very income you need to contribute to your retirement. Protecting your primary income-earning ability is often considered a prerequisite to building long-term wealth.
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This page is informational and not a coverage guarantee or quote.