Disability insurance pays part of your income if you become too sick to work (any job, not just your current one). Most policies pay about 60 percent of your salary for a certain amount of time.
Many employers provide disability insurance. You can also buy disability insurance on your own or add to the disability insurance that your employer provides.
If you are employed, check the details of the coverage provided by your company. Some people are covered by Social Security disability payments. You can get an estimate of these payments, which depend on your salary and years of work, from a local Social Security office. (To find an office near you, visit the Social Security Administration website.)
If you are buying or choosing disability insurance, check the following: