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Approximately 68% of Americans would find it somewhat difficult to meet their financial obligations if their next paycheck were delayed. 
Disability income coverage can help.
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What is disability Income Insurance


Wikipedia: Disability Insurance, often called DI or disability income insurance, or income protection, is a form of insurance that insures the beneficiary's earned income against the risk that a disability creates a barrier for a worker to complete the core functions of their work. For example, the worker may suffer from an inability to maintain composure in the case of psychological disorders or an injury, illness or condition that causes physical impairment or incapacity to work.

[1] Council for disability awareness 2013, Disability Statistics