Most people are simply better off building an emergency savings fund and purchasing a long - term disability policy with a short elimination period instead. (policygenius.com)
Meanwhile, investigate your workplace short term disability policies through your company handbook and see how to opt in. (ourfamilyworld.com)
Basic long term disability policies will provide coverage for up to two years if you are unable to complete the tasks necessary to do your job. (neinstein.com)