---
title: Do I Need Disability Insurance?
description: Financial advisers explain why disability insurance is overlooked and why you might actually need it.
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published: '2016-03-09T15:00:01.000Z'
modified: '2020-07-07T10:58:03.000Z'
section: Insurance
tags:
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type: Article
source: structured-blocks
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> **Disclosure:** We research all brands listed and may earn a fee from our partners. Research and financial considerations may influence how brands are displayed. Not all brands are included. [Learn more](https://money.com/page/disclaimer/).

![need disability insurance](https://img.money.com/2015/12/need-disability-insurance-e1449700223748.png)

*In this series, [Tips from the Pros](https://money.com/topic/tips-from-the-pros/)*, *Money taps the collective wisdom of expert financial planners.*

Disability insurance might seem like a type of insurance that you don't need, but it's actually very important if you have to work for a living. Disability insurance gives you an income should you become physically unable to work. Financial advisers say that disability insurance is something everyone needs to consider, because in any given year of your working life, it's more likely that you'll be disabled than you will die. Our financial experts weigh in on why disability insurance is so underrated.

Featured Advisers:

-   Madeline Noveck [Novos Planning Associates](https://www.linkedin.com/in/madeline-noveck-4b802847)
-   Jeffrey Golden [Circle Advisers](http://www.cadvinc.com)
-   Hans-Christian Winkler [Claraphi Advisory Network](http://www.claraphi.com/home.html)
-   Gail Linn [MetLife Financial Group of New York](http://www.gaillinn.com)
-   David Mendels [Creative Financial Concepts](https://www.linkedin.com/in/david-mendels-cfp-8494102)

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