Statistics show that one out of four of today’s 20-year olds will become disabled before they hit retirement age. What will happen to you and your family if you couldn’t work? Disability insurance can’t prevent illness or injury, but it can replace your income and provide money to pay your mortgage, rent, car loan payment. So, if you have a serious illness or injury, you can focus on your speedy recovery instead of worry about being ruined financially. If you are an employer, you can provide the same peace of mind to your team by adding group disability coverage to your employee benefits package.