If you have recently become disabled, then you are probably feeling uncertain about your financial future. One of the first places to turn is to short term disability insurance, which will cover you for a few weeks, or up to six months as you recuperate; unless, of course, you became disabled on-the-job, in which case you’ll file for Worker’s Compensation Insurance instead.

You can apply for either insurance through the human resources department at your place of employment. If it looks like you’ll be out of work for the long haul, you can apply for long term disability insurance through your employer once your short term insurance expires. If you are over 65, then you can apply for Social Security. If you are disabled and not working, then you may still be eligible for social security disability insurance.

One type of government assistance is Unemployment benefits. Government workers have seen a dramatic increase in Unemployment applications in the last few months. Unemployment benefits can help support an individual and/or family while they look for another job, which in this market can be awhile. But the benefits also end at some point, so it is only a temporary solution. And those applying for Unemployment benefits must sign a waiver saying that they are willing and able to work. This disqualifies them from receiving Social Security disability or SSI benefits, which are reserved for those who are perhaps willing, but unable to work.