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Content: Would your savingsplus any spousal income plus any payments you were able to get from Social Security Disability Income ($1,111 a month in 2012 on average) be enough to live on until Social Security and any other retirement benefits kick in? If not, you need it. Q. Why now? A. We buy insurance to protect something. Homeowners insurance to protect our dwellings. Auto insurance to protect our cars. Disability insurance in your 50s protects what are likely your peak earning years. If you're thinking you need to work the next 10 to 15 years to shore up your retirement, protecting that earnings stream — just in case — is particularly important. Also, notes Mark Maurer, president of Low Load Insurance Services, your window is closing. Most insurers won't offer individual disability past age 59 or 60. "