If you need to stop working, your income can be replaced by a disability income insurance policy that you can get on your own, by joining an association, or through work. If you don't have any disability income insurance coverage and are able to work, you may still be able to get it.

Keep in imind that you may be eligible for income replacement under government programs such as Social Security Disability Insurance (SSDI), Supplemental Security Income (SSI), Unemployment Insurance and Workers Compensation. 

• SSDI and SSI provide an income if you become disabled and unable to work. The definition of disabled is broad. You do not have to be bound to a wheel chair.
• Unemployment insurance provides an income if you become unemployed for any reason.
• Workers Compensation generally provides an income If the reason you have to stop working is because of a work related injury or medical condition. (This is in addition to medical bills, which Workers Compensation insurance also covers).

Each of these subjects, as well as related subjects, are covered in the documents in "To Learn More."

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