Disability insurance helps protect your income if you can't work and get your regular paycheck.

You may have Group Short Term Disability insurance or Group Long Term Disability insurance. What's the difference?

Short-term disability insurance can help pay the bills if you become disabled and can't work for a short time.
Long-term disability insurance can help pay the bills if you become disabled and can't work for longer.

What if you change employers and they do not offer benefits?

Can you afford to lose your ability to earn a living, even temporarily?