Should I Sign Up For Disability Insurance? 
If you are offered Disability Insurance through your work , yes , sign up for it ! You will most likely be paying a reasonable premium and have some income to pay your bills if you are unable to perform your job for an extended period of time due to illness or injury . If you are not offered Disability Insurance through your work , I recommend purchasing a long term disability insurance plan . One of the most common hardships I see in my job is people having to go on Social Security Disability due to MS , heart disease , cancer , or other health conditions . Not only do they face a pile of medical bills , they must wait many months without any income until they are approved for SSDI . With a private plan , they could be drawing their benefit much quicker , and the payments are greater than you get with SSDI . In fact , a private plan will supplement the SSDI to provide you with more spending money . Buying Disability Insurance is not cheap , but living without a paycheck for many months can be devastating . My vote would be , sign up for Disability Insurance . If you would like some assistance , I can help you find the most reasonable price from many companies . 