Makes sense. What if you can't go to work tomorrow? How will you pay your bills? anyone with a job can and should get disability insurance to protect ALL their body parts, for any illness or injury that will keep them from being able to work. If you experience a loss of income more than 15-20% due to a medical issue, then you will be entitled to receive a monthly paycheck from the insurance company.
And the cost for this insurance is about 1-3% of one's annual income. It is worth to protect your livelihood considering the fact that illnesses like cancer will affect one in three people during their lifetime. Think of all other illnesses, like heart issues, strokes, lung and liver diseases, or injuries that can disable you for a long period of time, and you realize that 1% of your income is not that much, to spend on protecting 60% or up to 100% of your revenue. Talk to an experienced income protection consultant for more info.