Disability Benefits

When you're healthy, it may be hard to see the value of disability insurance. But accidents and illnesses do happen. In fact, it's more likely you'll be unable to work for more than 90 days as a result of an accident or illness than it is that you'll die before age 65.

If you become sick or hurt and can't work for a long time, disability insurance can help support you during the time you're not getting a regular paycheck.

If your employer does not offer disability insurance, check into buying it yourself. Compared with health insurance, disability insurance can be inexpensive, although it depends on the coverage you choose as well as your occupation.