Your family depends on your paycheck. What happens if you are suddenly unable to work due to an illness or injury? Would you be able to pay your bills?
You can protect your paycheck with a disability plan. It will pay you a percentage of your regular wage if you become disabled.
If your employer offers a disability insurance plan, consider enrolling. There are generally two types of plans: employer-paid and voluntary. An employer-paid plan is exactly what it implies, with set times and coverages. A voluntary plan gives you flexibility to design your own plan and pay through withholdings.