"[A]mong employed Americans who do not have short- or long-term disability insurance provided by their employer, 43 percent say the reason is because their employer does not offer it. Only 14 percent say the reason they don't have it is because they cannot afford coverage; a combined 34 percent don't have policies through their employer due to other obligations or expenses they feel are higher priorities (12 percent), don't see the value (12 percent), or say 'I am healthy and don't need it' (14 percent)."  MORE >>