What Type Of Disability Insurance Should I Get? 
If you have to make a choice between long term disability insurance and short term disability insurance , most people will pick long term disability insurance . More companies offer long term disability insurance , so their premiums are more competitive . Also , most people can financially survive a short time off of work , but would be in trouble if they were to become disabled for a longer period . Long term disability insurance can cover you from a couple of years to retirement age . In my opinion , long term disability insurance is the type you should get . 