If you get sick or hurt and can't work for an extended period of time, disability insurance may be the difference between your family maintaining its lifestyle and making serious changes.
Disability insurance replaces a portion of your regular income when accident or illness keeps you from working. It's usually offered as short-term coverage - which lasts up to 6 months, and long-term coverage - which covers situations lasting six months or more. Often it will be included in benefit packages employers offer, so check at work to see if it's available to you and at what level. Typical policies provide about 60% of your gross (before tax) salary, but you can usually purchase additional coverage for a small increase in cost.