Working adults are increasingly finding it difficult to cover out-of-pocket, unexpected costs. Recent studies show that paying a $400 bill would be difficult for almost half of U.S. households. By including disability insurance, your clients’ income will be protected if they need to miss work for an extended period of time. This means they’ll be able to keep their lives and their bills in order.

Financial advisors play a key role in educating their clients about the benefits of having income protection. The Council for Disability Awareness was first formed in 2004 as a way to build knowledge and understanding about this issue.