Pam is 31 and recently divorced, with children ages 3 and 6.  She earns $40,000 a year as a secretary. Her employer provides her with basic health insurance coverage. She receives child support from the children’s father, but he misses payments often and is always behind in payments. Her ex-husband, however, is responsible for the children’s medical bills. Analyze the need for health and disability insurance for Pam.