All disability insurance policies and programs are different. Be sure to take the time to read through and fully understand what the insurance product is offering and what the procedures for using that product are. You will be surprised at the differences here.

Did you know that nearly 45 percent of people will have some type of disabling accident in which they can not work before they are age 65? This means that disability insurance is a necessity because your chances are nearly 50 percent that you will need it.

Disability insurance is often provided by your employer. Some form of short term sick leave is generally in place. Find out if your employer provides for long term disability which can be necessary if your disability lasts for many years or for the rest of your life.