You have been invited to make a presentation to members of a local labor group about the risks they face in the event that they could not work for a significant period due to an accident or illness. They are all eligible for Employment Insurance (EI) and Workers’ Compensation Benefits (WCB). They have a basic long-term disability (LTD) plan with a 4 month waiting period and a maximum 24-month benefit. The maximum benefit amount is $2,200 per month, any occupation. The average income from employment for these employees is slightly more than $5,000 per month. Which of the risks below would be MOST applicable to these employees?