Disability insurance is protection for your income, so anytime there is a change in your income, your disability insurance need may also change. As mentioned above, the future insurability option gives you the ability to increase your coverage quickly and easily, but there are several other riders that can ensure you coverage grows with you. Purchasing individual disability insurance rather than just relying on group coverage also gives you the freedom to change jobs, or even start a business. If you don’t have sufficient disability coverage, it is common for people to dip into their retirement savings, and all too often, sacrifice their retirement plans. It could force you to work longer, live more frugally in retirement, or maybe never retire at all. Disability insurance makes certain that you don’t have to gamble with your retirement.