Best disability insurance companies

Disability insurance can help make ends meet if you're unable to work due to injury or illness. Nicolas Hansen/Getty Images
Injuries and illnesses can unfortunately happen to anyone at any time. Even if you don't work a manual labor job, a disability such as cancer, a broken bone, or a mental health issue could put you out of commission could put you out of work, at least temporarily. In fact, there's a 25% chance that a worker will miss work for at least a year sometime between the ages of 20 and 67, according to the Social Security Administration.

If that happens, you might be able to make up some of your lost income through Social Security disability benefits, but that might not be enough for some workers. Disability insurance can help close some of those gaps, either by paying a fixed monthly amount, a percentage of your monthly income, or a lump sum.

You might be able to get disability insurance through your employer, but you also might want to add coverage on your own for more protection. Start by getting a free disability insurance price quote here to see what it could cost you.