If you get so sick or injured that you can't work, who's going to pay your bills?
If you've got no easy answer for that, then according to Business Insider, you need disability insurance.
Disability insurance can be short-term or long-term, but it basically replaces a percentage of your income if you're unable to work.
It can also be 'own occupation' or 'any occupation.' The former type protects more of your income, but it also costs more.
With the COVID-19 pandemic raging, insuring your income should you fall ill is more important than ever.
