I asked Kristie while I had her on the phone, “If she knew then, what she knows now, what would she do differently?” One of the first things she said was to make sure everyone had disability insurance. 

No one wants to think about being disabled, however, the reality is one third of all American’s between the ages of 35 and 65 will become disabled for more than 90 days, according to the American Council of Life Insurers. 

What’s worse is that one in seven workers will be disabled for more than five years. This is not normally caused by a freak accident, most of the time it is caused by illness.  MORE