Everyone should know their chances of not being able to earn an income. That's what your Personal Disability Quotient (PDQ) calculates—your own chance of being injured or becoming ill that could force you to miss work for an extended period of time.

Why is this number so important? Think about it. Your ability to earn an income is your most valuable resource. It's what enables you to fund almost everything else that's important to you . . . your home, your family's lifestyle, your children's education, your retirement.

Calculate your own PDQ now—and learn what's really at stake. Then let us offer you some tips on what you can do to prevent disability from taking a financial toll on your family.