Disability insurance is worth it when you consider the financial risks associated with an unexpected disability. It provides financial protection in case you become unable to work due to a disability. This coverage can help you maintain your standard of living and cover your expenses while you recover. It's worth considering if you have a job that you rely on for income, have dependents, or have significant debts. Additionally, if you have savings or other sources of income that might not be enough to cover your expenses in case of disability, disability insurance can be a valuable safety net. It's important to evaluate your personal situation, financial needs, and the level of coverage you can afford when determining if disability insurance is right for you.