According to the Social Security Administration, three out of every 10 workers entering the workforce will become disabled at some point in their careers. So, what is the best way to get disability insurance that supplements your Social Security disability coverage? Most larger employers offer short and long term disability coverage to their employees and they offer (generally) very affordable rates. If your employer offers this coverage, you should strongly consider it and be sure to ask if you have the option to pay the premium with before tax or after tax dollars.
See Boston Globe story here: