You should think of disability insurance as insurance for your paycheck, in case of an illness or injury. The amount of coverage you need depends on your individual circumstances. Disability insurance isn’t just for high-risk jobs, but also for pregnancy, mental health needs, and injuries that happen outside of the workplace that prevent you from doing your job. When or if you’re job hunting, find out if your potential new employer offers disability coverage and consider purchasing an individual policy to supplement it as needed.