Disability insurance
Insurance that replaces part of your income if you can't work because of illness or injury.
Why it matters
Short-term covers weeks to months; long-term covers years. Long-term disability is often the most-overlooked coverage: statistically more likely than premature death during working years. Employer group coverage taxes benefits if paid pre-tax; individual policies pay tax-free.
See also
Educational only — not financial, tax, or legal advice.