Will you be OK if you get sick or are injured and can't work? How much will Social Security cover? How much will workers' comp cover? The chances of suffering a disabling injury during your working life are far greater than of dying during the same period. Yet many more people buy life insurance (which only pays when they die) than buy disability insurance (which pays when they're injured or too sick to work). Many Americans have too much life insurance and not enough disability. This book explains disability coverage, why it's important and how it's sold.