If you're sold on the idea of securing a 'replacement paycheck' in the event you can no longer work, here's how to go about it:
Check for employer-sponsored coverage. In California, Hawaii, New Jersey, New York and Rhode Island, employers are legally required to offer short-term disability plans to their employees. If you live outside those states, it's worth asking your workplace if STD is offered as part of your employee benefits.
Buy an individual policy. You can purchase a policy directly from an insurance company. The major benefits of choosing this option are that the coverage is portable, and you'll be able to customize your elimination and benefit periods to suit your financial situation. Just be sure to shop around to get the best possible rate.
Go through a professional association. Some professional associations partner up with disability insurance companies to offer policies at discounted rates.