Starting a new job is a perfect time to secure your safety net. There are three types of insurance coverage you can typically expect to receive through your new employer: Health, disability, and life. And if your job doesn't supply coverage for you and your family, it can be dangerous to succumb to the temptation to forgo the cost and skip it altogether.

Do you think that you’re too young and fit to worry about disability insurance? Think again; it’s never too soon to start planning for the event of a long-term illness or debilitating injury. Three out of ten workers entering the workforce today will become disabled before retiring. Almost half of the 6.8 million workers currently receiving Social Security Disability benefits are under the age of 50. Combine odds like these with the escalating costs of living, and it’s tough to argue against having disability insurance.