How To Use Disability Insurance? 
If your employer offers short term disability you can bring your exposure down to 30 days very cost effectively . By ensuring that you have no more than 30 days exposure you can protect your savings account from the necessity of having to use it to pay for short term disability plans . While your `` occupation '' classification determines if you can get a long term disability plan beyond 5 years the protection of being disabled should never be overlooked . If you look at the percertage possiblity of your being disabled is higher than your death . What is the importance of having an `` own occupation '' definition vs. `` any occupation '' definition ? 