Approximately 1 in 3 people will suffer a disability lasting 90 days or more before age 65.
	The average disability last for two years.
	You are 4 times as likely to become disabled than you are of dying before age 65.
	Loss of income over a disability is the leading cause of foreclosures on homes

	The single most valuable asset for the average family is the ability to earn income.
	How would you be affected if an unexpected disability took away your ability to earn a living?
	Do you have enough savings to pay for living expenses for at least six months?
	Will your income cease if you are unable to work?
	Do you current sources of replacement income meet your disability income needs?
	If you are self employed, would your business be able to pay your overhead should you be unable to work?