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Almost two-thirds of wage earners believe they have a 2% or less chance of being disabled for 3 months or more during their working career, but the actual odds for a worker entering the workforce today are about 25%.

 

Social Security Admin, Fact Sheet 2/7/2013
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Q: Who Needs Insurance?

People need insurance for a variety of reasons. In some cases insurance is required; however, there are policies that, though not mandatory to have, do give you necessary protections should you suffer a financial loss. Different stages of your life will require different insurance needs, so it is important to review your policies at least once a year to make sure you have the best policy to fit your lifestyle.