To keep people from facing financial disaster, various kinds of disability income programs have been set up. Disability insurance does not cover the cost of rehabilitation if you are injured.
Most employers offer some short-term sick leave, lasting from a few days to six months.
Check with your employer's benefits office to see whether you are covered. The Health Insurance Association of America offers the Consumer's Guide to Disability Insurance, which explains the ins and outs of this type of coverage. The guide includes a work sheet to determine how much income you'll have if you become disabled, as well as a checklist for comparing policies. The association also provides a directory of companies offering disabilities insurance policies. Shop O2 .