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In the case of a disabilitating accident or illness preventing you from working, disability insurance is designed to replace 45-60% of your income, helping cover expenses and bills until you are back on your feet.

There are a few different types of disability insurance, including short term, and long term. Short term disability replaces a portion of your income during the first few weeks, while long term is meant for an extended period of time if your illness or accident is more severe.

It's Safer to Be Prepared

Regardless of how cautious you are, accidents can happen. Ranging from car accidents to heart attacks, there are many dangers in life that can cause short, or long-term disabilities. This can leave you unable to work, and in turn, losing income you may have relied upon. While some employers do offer disability insurance through a group plan, personal disability insurance has a large advantage as it cannot be terminated or reduced if you change jobs.