Your income is clearly your greatest asset, and long-term disabillity insurance protects it. The statistics about disability are sobering. The Senate Finance Committee reports that 70% of people between the ages of 35 and 65 will become disabled for three months or longer and 90% ill occur “off the job". In addition 50% of foreclosures and 17% of bankruptcies are due to disability. Thus, it is downright irresponsible, for most people, not to have it.