Have you heard of disability insurance? People are much more likely to have life insurance than disability insurance, which pays you in the event that you can’t work. We’re three times more likely to get injured on the job than to die during our key working years. It’s offered from employers, but it’s sometimes not such a good idea to get insurance from your employer. Because of an obscure federal law called ERISA, states can’t help you if you get insurance from an employer. If you get cheated on disability coverage from an employer, for example, the government can’t help you. Therefore, insurers know they can collect premiums and not pay on claims. So, you should buy your own disability policy. That way, you’re protected without question. Usually 70 to 75 percent of your income is recommended. And don't get a policy that uses the Social Security Administration's definition of an illness. It's very strict. Keep in mind that disability insurance is not cheap, however. So, you may have to trim how much you get. But if you’re getting it from a large employer now, you might get burned when the chips are down.