I’m living on disability right now, even though I’m still relatively young. I never thought I would need a disability policy, especially since I had an office job, so I never thought about buying it. I was in a pretty serious car accident that effectively ruined by career. If I had disability insurance, it would have saved me almost two years of struggle trying to get approved for disability through Social Security. If I could do it over, I definitely would have purchased disability insurance through my office when I had the chance.”

- Anne K., 50
Highlands Ranch, Colo.

I have never had disability coverage and really never gave that any thought. I was pleased to find out that Social Security had disability coverage. I’m sure very few seniors even know about that.”

- John L., 75
Littleton, Colo.

Both my wife and I have short-term disability coverage from our employers. Since we’re getting older, we thought it would be a good extra safety net. I’ve never had to use it, but if something did happen, I’d be covered – at least for a while. Even though it doesn’t cover all the expenses, it’s definitely better than nothing.”

- Henry Z., 62
Overland Park, Kan.

I’ve never carried disability insurance on any loan. Some of my life insurance policies have attached disability clauses, but to meet those requirements you’d really be in bad shape. My employer’s sickness benefits weren’t that good – they have now changed and if one’s financial portfolio allows, I’d say it’s not a necessary expense. However, if overextended, it might fit your needs.”

- Arnold M., 61
Schuylkill Haven, Pa.