Disability insurance can round out an employer’s health care offerings and provide valuable income protection for individuals in case they become sick or injured and are unable to work. For many working Americans, losing income as a result of a disability is not something they think will ever happen to them. However, according to the U.S. Social Security Administration, 1 in 4 of today’s 20-year-olds will become disabled during their working years. 55 percent of employees fou