Protect what you've earned.
How would you cope if you were off work ill? Would your employer cover you pay for any period of time? Could you concentrate on your health or would you be in fear of building up debts and losing everything you have worked for? Income Protection covers you if you are off work through illness or incapacity. It will normally cover up to a maximum of around 65% of your normal income.
After all is there any incentive to return to work if 100% of your income is covered?