Disability insurance is protection for your future income because it pays if you're unable to earn a living wage as a result of poor health or injury.

It's surprising to many people that disability insurance can actually be more important than life insurance.

The Social Security Administration's Disability Benefits Publication claims that a 20 year old worker has a 3 in 10 chance of becoming disabled before retirement age.

For this reason even single people who have little need for life insurance should seriously consider disability insurance.

There are many things to consider before signing up for this type of policy.

First, consider the elimination period. That's the period of time from the onset of the disability to the time the benefits begin, the benefit period and the definition of total disability.

Yes, it takes some homework and disability insurance is not inexpensive. But for more information go to www.iii.org.

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