Buy Disability — Insurance

Statistics show that people will face a disability during their career. It isn't just about "freak accidents"—chronic illnesses, back pain, and even severe stress are common reasons for claims.

We often insure our cars, our homes, and even our smartphones without a second thought. But what about your most valuable asset—your ability to earn an income?

You can add features like a Waiver of Premium (you don't pay premiums while disabled) or Residual Disability (pays a partial benefit if you can only work part-time). The Bottom Line

You don't have employer-sponsored sick leave. If you stop working, your income stops immediately.