Loss on income can happen due to many reasons, not necessarily anything to do with your health. It could simply be that the company you work for is finding it difficult to get clients and so have to retrench some staff. Good financial planning by an expert financial advisor can mean the difference between losing your home or not losing it.
In fact, it is not only people who are paying off a home that would be negatively impacted by a sudden loss of income. With rent as high as it is these days, it is easy to get to the stage where your income is not enough to both pay the rent and buy food. But a good financial planner will allow for these kinds of problems when working out a plan for you and your family.