Financial Protection Disability insurance Preparing for and preventing disability What you need to know to protect your assets. Your most valuable asset isn’t your home, your car or even your retirement savings — it’s your ability to earn an income. A disability lasting three months or longer will strike roughly three in 10 workers. Many American families live paycheck to paycheck, and most couldn’t go one month, let alone two or three years, without the support of a regular income. 1 Your earning ability is something to be valued and protected. Are you prepared for a disability? Almost 90% of American workers believe it’s important to plan for a disability. However, only half as many have actually done anything about it. 2 Have you taken action to prepare for a disability? If so, are you confident you’ve done enough to protect yourself and your family?