How To Get Disability Without Insurance? 
I 'm assuming you 're asking how to get disability coverage without actually having insurance . If this is thecase , you as a consumer , or your employer , can always self-fund a future disability by setting up a `` sinking fund , '' where you are contributing monies to it on a regular basis . My advice would be to insure this risk by trading small dollars for big dollars by buying a disability insurance plan . 