Disability Happens. It can happen Anywhere at Anytime. Medical Insurance can cover the cost of treatment, but it won't replace the income lost if you are unable to work. Social Security is an alternative but it may be difficult to qualify for benefits. Worker's Compensation covers you only while on the job. Personal savings may not last or be adequate to cover the day-to-day expenses for an extended length of time.
So, What's the solution?
Disability Insurance. It replaces a portion of your income and gives you financial security while disabled.