Second Base

To land on second base, consider getting short-term disability insurance. For more protection, there’s long-term disability insurance. Some employers offer this coverage — sometimes at a low cost or even included — but you can also purchase a policy on your own, like health insurance.

Short-term policies are less expensive and cover temporary setbacks, while long-term policies cost more but protect you over a longer period. Make your choice based on how much coverage you need and how long you’d want support, then enter the cost here.

Disability insurance is often overlooked because people underestimate the risk or assume it won’t happen to them. But it isn't just about health — it’s about protecting your income. If an injury or illness prevents you from working, your income is the very thing that keeps your financial life moving. 

A licensed insurance professional can help you compare policies and costs.