If a disability has lasted 90 days, there is a 60% probability it will last another 2 years - or longer! Paying premiums year after year, with no creation of cash values, may seem a waste of funds until you measure how quickly the benefits from a disability income policy will equal the total premiums paid. Becoming disabled is a tragedy; becoming disabled and having no income is even worse. *Hypothetical example only, and does not represent any specific disability income insurance policy. Source: 1985 Basic Commissioners Disability Table.