Disability insurance is not a glamorous purchase. It's not as interesting a a new car or even a new set of dishes, but it is much more valuable and can save you thousands, even millions in lost income. You can opt for short-term disability or long-term disability with different options for each. If you are covered by your employer, review your policy and decide if it is adequate for your needs. You may want to consider purchasing additional insurance to make sure your income and your family are protected.
Read more: Is Disability Insurance for You? (Motley Fool via Yahoo! Finance) Disability insurance is expensive for a reason -- there's a good chance you'll need it.