It will help you cope financially if you can't work because you are sick or injured and your earnings are affected.
Depending on your entitlement for company benefits you receive from your employer you will be able to choose waiting period of the policy that range from 1 to 52 weeks so you don't have to worry about your finances when you don't receive pay from your work place. You may get up to 55% of your gross income to support you when you are ill.
Accident, Sickness and Unemployment (ASU)
None of this situations are easy to handle but unfortunately they are quite common. ASU policy will help you pay your mortgage or rent bills in event of you being unable to work due to any of above for 12 to 24 months.