How can I enroll in disability insurance in case of off job illness? 
You may have group disability insurance available to you through your employer , however , you will find generally find stronger coverage through an individual disability insurance plan . A disability is a sickness or injury which interferes in your ability to work and earn a living . In disability insurance , there 's 3 types of definitions that a policy can use - the definition of disability in the policy is the MOST IMPORTANT factor to look at in a policy . The 3 definitions of disability that a policy can use are true own occupation , modified own occupation , and gainful occupation . True own occupation is the best definition you can have . Gainful occupation is commonly seen in group policies and offers the least coverage . One of the drawbacks of group coverage is if your employment is terminated , you lose the coverage . An individual policy goes with you wherever you go and generally features stronger coverage and a better definition of disability -LRB- a true own occupation or modified own occupation definition -RRB- . You want to buy your disability insurance when you 're healthy - this type of coverage is much more in depth than life and health insurance . If you have a pre-existing condition , you may face an exclusion rider for the condition under a given policy or be postponed for the coverage until it 's resolved . Disability insurance is a very complex type of insurance that has moving parts to policies . If you 're looking to apply for coverage , you want to work with agents that have in-depth knowledge of products , how disability insurance works , and have experience with these programs to help you through the process from start to finish and make the process as seemless as possible . I hope the information is helpful - please feel free to contact me for help and if you have any other questions . Thanks very much . 