I was grateful to have disability insurance when I had a compression fracture of my knee 15 years ago. Unrelated to work, not a car accident. I was unable to do normal work for several months. After major rebuild surgery I had a thigh to ankle immobilizer with crutches. Finally graduated to a cane, knee brace, and intensive physical therapy. One never knows when something like this can suddenly happen. I am back to normal, of course.