Most of us don’t realize that during our working career we are far more likely to become disabled than we are to die. Despite this fact, far more of us have life insurance policies than disability policies. Many employers offer short term disability insurance for no cost and give employees the option to purchase additional long term disability insurance. If this opportunity is afforded to you, jump on it and buy the maximum allowable amount. If not, you may be able to get disability insurance through your professional association or life insurance provider.