This is a type of insurance that is going to take care of you, if something were to happen. It helps people get through that time of disability, because it's hard enough to be disabled. But, it's even harder if you're having to think about the financial strain and stress that it's causing on top of the disability that you're already experiencing.
A lot of people unfortunately, have this "it's not going to happen to me" attitude. About one in four of today's 20-year-olds will be disabled for a period of at least one year before retirement.