Have you ever wondered what would happen to you (or your family) if you were seriously injured and unable to continue working? It’s not a pleasant thought, but it’s something we all need to consider. You probably need some disability insurance.

DID YOU KNOW

* If disabled at age 35, you have a 50% chance of your disability lasting 90 days or longer
* If you saved 5% of you income for 10 years, only 12 months of disability could wipe out these savings

Many employers offer disability insurance to their employees. But is it enough? More often than not, the short-term benefits are more generous than the long-term ones. And some small employers don’t offer any insurance at all.

Here’s an easy way to figure out how much disability insurance you should have — regardless of whether your employer supplies you with coverage or not. We’ll also help you evaluate to what extent you would be willing to depend on your own money to support yourself after your short-term benefits run out. That will tell you just how long you could get by without purchasing additional insurance.