What would happen if you sustained a significant injury and could not work for a period of time? If you are the primary income earner of your household, it could mean financial hardship, particularly if you don’t have disability insurance. Disability is a common cause of bankruptcy. While social security and workers’ compensation may offer some benefits, it may not be enough income to pay for everything you need. We help you formulate an important backup plan if you can’t go to work and need to keep up your income while recovering.