Although impairment cover is the less expensive choice of insurance, it is always a good idea to implement disability insurance rather that impairment insurance. Disability Insurance covers a wider range of insurable events and therefore covers an individual more holistically.
In any financial plan, disability is built in to protect you if you where to lose your income because of injury or illness. This should be in your financial plan but should not be overpowering. Your financial plan should always be well balanced and needs to cover all events in the most affordable way.