Not really... my family would help if needed, but I prefer not to rely on them. I save a reasonable amount every month (15%, not including retirement accounts), some in a regular savings account, some in a money market and some in an IRA. I only have 2 debts - mortgage, and a private loan from a family member; everything else is bills - which makes it somewhat easier; if I were disabled I would stop adding to the savings and use what I already have. Also, the private loan will be paid off in 2 years (yay!) at which point I will further accelerate the mortgage, which is currently recieving 25% extra in principal each month (another thing I could cut back if disabled) - those 2 together, the extra principal and money to savings - are nearly 25% of my total income, which would also reduce my expenses if I stopped those. So with what I have in savings, I'd be okay until SSI disability kicked in... not comfortable, cut to the bone as far as expenses - but okay.