Buy Disability: Insurance

You don't have employer-sponsored sick leave. If you stop working, your income stops immediately.

You can add features like a Waiver of Premium (you don't pay premiums while disabled) or Residual Disability (pays a partial benefit if you can only work part-time). The Bottom Line buy disability insurance

Statistics show that people will face a disability during their career. It isn't just about "freak accidents"—chronic illnesses, back pain, and even severe stress are common reasons for claims. You don't have employer-sponsored sick leave