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While all of us hope we’ll stay healthy through our careers and until we’re ready to retire, this is not the case for far too many of us. And if you are one of the millions who experience a short-term or long-term disability that makes work impossible, you could find yourself facing financial disaster.
Social Security Disability benefits are available for people with qualifying long-term medical conditions, but it’s very hard to qualify for benefits and no coverage is available at all for short-term disabilities.
Buying disability insurance can help ensure you have the income you need if something goes wrong with your health and you can’t work anymore.
Shop around for coverage that is affordable and that replaces as much of your wages as possible, and make sure to choose a policy that will cover you for both short-term and long-term health problems so you can avoid any interruption in income when you get sick or hurt.
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