Just because you have short term disability insurance providers at work does not mean you have enough coverage for those times when you must miss work for a long period of time perhaps months. Find out what you have for employer sponsored coverage and get something to fill the gap.
What do You Need?
Figure out what you really need for coverage. Take stock of your monthly bills to get a better idea of what you are up against should you get stuck out of work for a long amount of time. You will also want to find out what you have already for coverage and what you need to fill the gap for a few months if need be. Seek help from a professional insurance agent regarding the coverage types, how much they cost and when the coverage will come into play. You have to have something to fall back on should the unexpected happen and simply relying on your savings these days is not likely to cut it.