DefendYourIncome.org is an excellent game based learning learning tool for teaching disability insurance.
They even have an app!
If you are 30 years old or younger, you have a 1 in 3 chance of needing long-term disability care, with an average coverage length of 32 months. What is particularly relevant for high school students to understand is they are not immediately eligible for full Social Security disability benefits early in their careers; and even if they were the coverage is inadequate.
This previous post is dedicated to exhibiting a broader range of insurance education resources.