In the event you sustain a disabling injury or illness, there are a number of sources of disability benefits you might be able to tap into. For instance, the government offers disability benefits, as do many employers. You should definitely take the time to understand the benefits that would be available to you through these sources. Just be mindful of the fact that there are limitations on the benefits available through these sources and sometimes the benefits won't be sufficient to meet your income replacement needs. That's why it often makes sense to consider whether an individual long-term care disability policy might be right for you. This section provides you with information about the various sources of benefits that may be available to you and will help you determine whether you should consider looking into individual coverage.