Cecilia is named the income beneficiary of a testamentary trust to be set up according to her father's will. Her 80-year-old father is alive and healthy for his age. She expects to get an income of $2,000 a month from the trust once it is set up. She currently makes $60,000 in employment income and receives $1,000 per month in child support payments from ex-husband. She has two children ages 10 and 12. She has no coverage through group disability insurance. She approaches you to check whether she needs disability insurance since she requires about $3,000 per month to pay her bills and to survive in the case of disability.

What do you tell Cecilia?