You may be wondering, "When should I buy short term medical insurance rather than a more permanent plan?"

You should consider short term medical if you are...
	Between Jobs
	A recent college graduate
	temporary or seasonal employee
	Waiting for employer group coverage
	A dependent coming off your parent's plan
	A laid-off, striking or terminating employee
	A traveler who wants health coverage security abroad

Disability Insurance replaces income you lose if you have a long-term illness or injury and cannot work. However, disability insurance does not cover the cost of rehabilitation if you are injured. Nevertheless, this is an important type of coverage for working-age people to consider. Some employers offer group disability insurance and this may be one of the benefits included where you work. If not, you might be eligible for government-sponsored programs that provide disability benefits. Individual policies are also available.