Unfortunately, a lot of people never think about disabilities until they strike. You probably spent years hoping it wouldn't happen to you, and it never did.
Many employers offer disability insurance as part of their sponsored insurance program. Workers may feel confused about the fact that there are both short-term disability policies, as well as long-term disability policies. Do people really need both? How do they differ? These are common questions, and understanding the answers can help you appreciate the value of both forms of insurance.
Just because you have private disability insurance does not mean that you want to use this coverage at some point in the future. If you find yourself needing to make a claim it means that something has gone wrong and you are unable to work.