Yet, insurance claims studies indicate that the probability of becoming disabled for 90 days or longer are much greater than dying during one's work years. Disability insurance replaces your income should you become disabled and unable to work.
Many people have some form of disability insurance through their employer.
However, you should check the type of coverage your employer offers, very carefully. The employer s policy may not be just what your need. In this case, you will probably want to supplement the employer's policy with an individual policy of your own. The premiums for a disability policy are based on age, sex, occupation, and income. Keep this in mind.