For physicians, long-term disability insurance, also known as income protection, is one of the most important investments that can be made. No one wants to think about an unexpected illness or injury, but it is wise to arm yourself with the facts. Young workers today face a three in ten chance of being disabled before they retire, and medical problems are the reason stated in over sixty percent of the bankruptcy cases. In fact, the most startling statistic regarding disability comes from The National Safety Council, which states 498 Americans become disabled every ten minutes.