Every occupation has a different level of risk when it comes to disability.

Obviously someone who works in an office is far less likely to suffer a disabling injury than a coal miner. The insurance company uses its actuarial tables to determine exactly which occupation is more likely to cause a disability. It then will use this classification to determine exactly how much it would cost to provide disability insurance. Unfortunately, it is often the higher risk occupation, which most need disability insurance. If the company you work for offers a disability insurance policy as part of its benefits package, you should be sure to check it out. If the policy is insufficient to cover living expenses, you should purchase additional disability insurance. This information is general in nature and should not substitute for the advice of an expert in the field.