The value of disability insurance is often overlooked but the truth is, without it, disability can pose a huge threat to your income. Most of us don’t think twice about insuring an asset such as a car or house, which is generally because many of us could not afford to lose one of these items and not get anything in return. Yet, can you imagine losing a lifetime of your potential career earnings? The amount is almost always significantly more than the value of a car or home and still, many Americans have little or no disability coverage to protect themselves against this risk.