They just didn't see the value of it--didn't understand it.

他们只是看不到其中价值无法理解
Disability insurance means

伤残险意指
that if you work and you have an accident,

你工作时出了事故
then you can no longer work;

而无法继续工作
you start collecting Social Security.

你开始筹集社会保险
Normally, you don't get the--old age until the age 62 or 65,

通常你得到62岁或65才能得到这份保险
but disability you can get at any age if you become disabled.

可伤残险是不受年龄限制的
It's funny, I think a lot of people don't even know they have this.

有意思的是很多人都不知道这点
These institutions operate so quietly, partly the government--

这些制度运行得非常低调在一定程度上
they called this Survivors'Insurance

政府称之为存活者保险
when they created it in 1939.

这是他们在1939年创立的
I was wondering why don't they call it life insurance,

我想知道他们为什么不称其为人寿保险