Working to earn money and having a regular form of employment is essential for the vast majority of us. The lucky ones among us will have a job we thoroughly enjoy. The rest of us probably just view employment as way to pay the bills, put food on the table and have some extra money to spend on luxuries.
Unfortunately, we never know what might happen in the future and an unforeseen event could prevent us from working. Even though there are ways to claim money from psychological conditions such as depression or a physical head injury, we can also safeguard against such events by taking out income protection insurance.