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
    You don't have to purchase disability insurance if you're independently wealthy or have safe investments that can last until retirement. But most American workers has less than 90 days in cash reserves, so for them, for the rest us we need paycheck protection against illness and injury that can knock us out of the work force.
    Answered on August 14, 2013
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