I already have health insurance. Why do I need disability insurance?

Disability insurance is protection against lost earnings as a result of accident or illness; while health insurance covers direct medical and hospital costs, disability insurance covers the need to protect income to maintain one’s family during the period of recuperation and to sustain additional expenses.  If a disability last longer than 90 days, the average length of the disability is over two years.  Few people have savings sufficient to protect their homes and families’ needs over that period of time in the pre-disability standard of living. 

Average Length of Disability if Disability Lasts Over 90 Days1
Age 25 2.1 years
Age 35 2.8 years
Age 45 3.2 years
Age 55 2.6 years
1 UNUM