If you were to ask someone what their most valuable asset is, they’d probably say their house. The real answer is their ability to earn an income. 58% of foreclosures in the USA are caused by a ‘curtailment of income,’ by job loss, death or disability. An American worker is nine times more likely to be disabled, than to die. If your employer does not provide disability benefits, or not enough benefits to cover your living expenses, we highly recommend looking into outside disability policies.