If your income from work is the only way you are able to pay for your daily expenses, you may want to consider purchasing disability insurance. Even if you have group disability through your employer, you may want to consider supplementing it with an individual policy.
Not all disability insurance is the same. Disability policies have different benefits and different exclusions (situations or conditions that aren't covered), as explained in the sections below.
The best way to understand your coverage is to read your policy.
Shopping for Coverage
Find more resources at the National Association of Insurance Commissioners