Getting taken out of work due to an illness can be devastating. In addition, applying for benefits through the SSA can be long and drawn out, and as mentioned, many are initially denied. I believe that people should safeguard and insure their income ahead of time by planning ahead before an illness is something they are dealing with. I was able to insure my income now in order to prevent loss of income in the future. I used www.disabilityinsuranceadvisor.com. They were professional and educated me on all my options.