Insurance is a hot topic these days, particularly when it relates to health. Naturally, with recent events, health insurance tops the list when it comes to heated discussion regarding insurance. But because it relates to health issues, disability insurance is just as important. The problem is that, though most of us are quite diligent about our health insurance, we know next to nothing about disability insurance. And most of us don’t even have it. So what is disability insurance? How does it work? Is disability insurance for executives a necessary part of business? And is it really all that necessary for any of us to have disability insurance, even if we don’t consider ourselves disabled in any way? Following are answers to these and other important questions about how disability insurance works and why it’s important.