While jobs are safer in 2015, accidents, injuries, and illnesses that can impact your ability to work still happen. Most, in fact, do not happen on the job site or place of employment. Did you know that a 2011 study revealed that more than 95 percent of the long-term disability claims on file were not work related?

The “loss” of the breadwinner does not have to mean that person’s death; it can also mean the loss of the breadwinner’s income. Consider that loss for a moment. How would your family fare if a source of income suddenly stopped? Could a dual-income family manage on one income stream? What about young families with a working father and a mother who cares for the children? What if his income halted due to an accident or illness?

I’ve heard some people say they have coverage at work, but too many aren’t sure what this coverage entails, how much income it would provide or for how long. Having this protection counts for something, certainly, but it isn’t “yours”; it’s provided by the company for which you work at their discretion. It could be eliminated tomorrow.

That’s where a personally-owned disability income insurance product, like Income Armor, comes into play. It can offer valuable income replacement in the event of an injury or illness. While Father McGivney likely never imagined such a product in 1882, I’m sure he would wholeheartedly endorse the protection it can provide to a family. If you have a job, you must know about this coverage.