What Is Disability Coverage? 
Disability insurance provides you with income if you are too sick or injured to work . The best policies ca n't be canceled , have rates that are guaranteed , and will provide benefits if you ca n't do you regular occupation . Do n't let the premium for a good policy send you in the direction of a poorer one . One in four 25 year olds will be disabled longer than 90 days , and 50 % of them will be disabled longer than 5 years . Buying a policy with a two year benefit period wo n't help if you are disabled for a long time . It is easy to think of being in an accident , but more than 90 % of disabilities are caused by sickness ! 