1. 61667 POINTS
    Steve Savant
    Syndicated Financial Columnist, Host of the weekly talk show Steve Savant's Money, the Name of the Game, Scottsdale Arizona
    No matter where you live, if you have a job you need to protect your income. Disability insurance protects your paycheck. Most Americans have 90 days of cash reserves for emergencies, so disability insurance can mitigate periods of disability due to ongoing sickness and recovery from injury. Disability insurance is a major part of defensive planning.
    Answered on September 13, 2013
  2. 63333 POINTS
    Peggy Mace
    Most of the U.S.
    Yes, if you bring home a paycheck, you need disability insurance in South Carolina. The State of South Carolina does not offer state disability insurance or require that employers offer it. So if you are not getting a group policy through your place of work, it is important to purchase individual disability insurance.
    Answered on September 13, 2013
  3. 1976 POINTS
    Ronald Hinch
    Regional Marketing Director, Capital Choice Financial Group,
    There is a need for disability insurance where ever you live because it is there to protect your income for the family in the event that you become unable to work for a short time or long time. So, either short term or long term disability can be purchased depending on your needs and budget. Many companies offer disability insurance as a benefit within the health and retirement package. It can be affordable even to the individual and is something that many doesn't know is available.
    Answered on July 14, 2016
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