Do You Need Disability Insurance? Why It Matters in 2025 If your paycheck suddenly stopped, how long could you stay afloat? For millions of working adults, disability insurance is the safety net they didn’t know they needed — until it was too late. Here's why this coverage matters in 2025 more than ever. 📉 The Risk Is Real According to the SSA, 1 in 4 workers will face a disabling event before age 67 Injuries, illnesses, and surgeries can sideline even healthy individuals Most Americans don’t have enough in savings to cover 3+ months without income 🔍 What Does Disability Insurance Cover? Short-Term Disability: Pays a portion of income for 3–6 months Long-Term Disability: Covers extended absences — even permanent loss of ability to work Typical Payout: 50–70% of your gross income 💼 Who Needs It Most? Freelancers or self-employed workers (no employer policy) Parents with dependents and mortgage obligations Anyone without a large emergency fund 💡 Tips for Bu...