Disability insurance isn't a topic that comes up often in daily conversations (or even many financial ones). After all, none of us plan on becoming ill or injured to the extent we can no longer work.

Les Masterson is a deputy editor and insurance analyst at Forbes Advisor. He has been a journalist, reporter, editor and content creator for more than 25 years. He has covered insurance for a decade, ...

Jason Fernando is a professional investor and writer who enjoys tackling and communicating complex business and financial problems. Anthony Battle is a CERTIFIED FINANCIAL PLANNER™ professional. He ...