When was the last time you visited a home that didn’t have a television in nearly every room or met someone who didn’t have a cell phone? Americans seem to have plenty of disposable income for giant flat-screen TVs and the latest smart phones, but most of them lack one of life’s true necessities: protection for their ability to earn an income.

Workers in this country remain woefully uninsured—and underinsured—when it comes to disability insurance. According to The Hartford, only 49 percent of U.S. employees have short-term disability coverage, and 44 percent own long-term disability coverage. In fact, 100 million Americans aren’t protected by private disability insurance at all, based on Social Security Administration numbers.

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