One in three people between the ages of 35 and 65 will suffer a disability that lasts at least 90 days, according to the ACLI. Disability insurance provides replacement income to a policyholder who is unable to work due to an injury or illness. Consider how a long-term disability would affect your lifestyle. Disability insurance is relevant to attorneys because they invest significant time and money into their careers. Without proper disability insurance protection from a dedicated insurance carrier, an unfortunate disability could devastate you financially. To protect your income as an attorney, invest in an individual own-occupation disability insurance policy.