Robyn Johnson, a 26 year old pubic servant and earns $112,000. He and Jane have three children aged 7, 5 and 2. Dawn works casual part time as a support worker expecting to earn in excess of$20,000 per year. They have minimal savings, $25,000 on credit cards and a mortgage of $320,000. Robyn has 45 days sick leave available from his employer. His superannuation balance is $80,000 which he believes is low at his stage of life.

 discuss why income protection insurance would be important to Robyn and his family if he is disabled and unable to earn an income. Provide any calculations are required.