Source: Jeff Reeves, USA TODAY

Americans use insurance to protect a host of assets, from cars to homes to jewelry. But many people forget to insure their most important asset — the ability to work and earn a living.

As a recent Social Security fact sheet states, "Just over 1 in 4 of today's 20 year-olds will become disabled before reaching age 67." And if disease or injury renders you disabled early in your working life, the lost wages can be worth much more than a house or a sedan.

Read Full Article: Should you consider disability insurance?