This document discusses the likelihood of becoming disabled and argues that having a disability insurance plan is a smart idea. It notes statistics showing that 1 in 4 20-year-olds will become disabled before retiring, the average disability claim lasts 31 months, and 38% of claims involve disabilities lasting 5 years or more. While people don't expect to become disabled, overriding that assumption and having an insurance plan could provide peace of mind and protect one's livelihood in case disability does occur. The document suggests contacting a disability insurance agent to explore options.