An example; you are in your mid 30’s and have a thriving practice as a surgeon and you sustain an injury which prevents you from being able to do the job that you have been doing for the past 5 years. You have been fortunate enough to amass a very nice figure between investments and retirement, but you can no longer earn that same income or continue to add to savings. How would this example affect you? Will your savings and retirement sustain your living expenses for the remainder of your life, if there is an elimination period are you covered, will social security supplement what is needed? How long will your disability last with your employer or through the health benefits of your own practice?