Many people believe that their biggest asset is their home.

For most of us, our biggest asset is the liability to work and earn an income. Not being able to work-due to a job loss or disability having taken away the ability to work is often financially devastating.

Everyone who works for a living is familiar with what can happen if they lose their job. On the other hand, the possibility of a serious disability is a risk few seem to consider. How likely is it that you will become seriously disabled? According to one study, 30% of all Americans between the ages of 35 and 65 suffered a disability lasting at least 90 days. The risk is real. The question is “What to do about it?”