Many people overlook this type of policy thinking that it is one of the types which isn’t needed. The main reason for this type of thinking is that most people without disability think that they will never become incapacitated. However, the truth is many suffer from disability while in their working age. It is not wise to ignore such possibility because for one, health and life insurance do not cover disability benefits in case such thing happens to you? Applying for a long-term disability coverage is the only way you can be assured that you can obtain finances for your expenses if and when you become disabled. Most companies provide their employees with this type of insurance but in case they don’t, you can always apply through a private insurer. When searching for the right insurance of this kind, select the one which will provide you at least 50% to 60% of your income.