What if you couldn't work, provide for your family?

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Sean was a 36 year old personal trainer that had been working for 10 years. During those 10  years he built up his clientele and was feeling really good about what he is accomplishing and providing for his family which included two young daughters and a wife. During year 11 of his contracting work as a trainer he was on his way home from a session talking to his wife on the phone discussing how excited he was to take the girls to the beach over the weekend looking forward to having some family time which they haven't had in a long time. Sean asked if she needed anything on his way home, she quickly replied with a couple things and didn't hear a reply on Sean's end... Sean was hit head on by a car that had crossed over onto incoming traffic. The phone went silent because Sean was seriously injured from the car accident, so much so that he spent the next few months in the hospital. It was great news to hear that Sean will make a full recovery and could possibly go back to training if he desires.
​I know I don't like to hear stories like this one about Sean but the truth is accidents like this one happen everyday. What if something like this happened to you and your family? During the months while Sean was hospitalized do you have a plan to make up for the loss of income that was coming in while he was working?
​Disability insurance helps to replace the disabled persons income while in this case, Sean is disabled.
​Disability insurance replaces income while the family member that is covered is too sick or injured to perform the duties at work.