Long term disability insurance
Even though Kurt and Jane have two incomes, they need both of their paychecks to cover the bills every month. They know that a serious illness or accident could keep one — or both — from working for months. And they know that losing a paycheck could threaten everything they've worked for if they are unprepared.

Our long term disability benefit pays a percentage of your gross monthly salary if you cannot work due to a covered injury or illness.
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The policies or their provisions may vary or be unavailable in some states. The policies have exclusions and limitations which may affect any benefits payable. See the actual policy or your Unum representative for specific provisions and details of availability.

References:
1. Social Security Administration, Fact Sheet, January 31, 2007.

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Cancer was the leading reason for long term disability absence from work in 2007, for the seventh consecutive year.
Unum claims database

Almost 3 in 10 workers entering the workforce today will become disabled before retirement. [1]
Social Security Administration