On the job, you may be covered for short-term disability due to illness, injury
or family medical or maternity
In the US, there are only a few states where short-term disability
insurance is guaranteed - that includes California, Hawaii, New Jersey, New York and Rhode Island. As a general rule, however, benefits and the type of illnesses covered will always vary from state to state.
Long-term disability insurance usually kicks in after short-term disability
coverage ends - typically after six months. But what if you're not covered for long-term disability? You may be eligible for Social Security disability benefits, or else covered under workers compensation or a pension plan.
As the name implies, long-term disability insurance is always preferable, since it
provides extra protection with replacement income in the event that you can no longer work for months, or even years.
Currently, the odds of suffering a long-term disability before retirement
are 1 in 8. Due to the unpredictability of becoming disabled, many people consider purchasing a long-term disability insurance
policy -- not only for their family's financial security, but for their own peace of mind.
On the Web, find out more about short-term and long-term disability insurance
at top sites providing consumer guides, free advice, related forums, and tips for securing your salary in the event you can no longer