As a resident, you may believe that you don’t need to think about long-term disability insurance, since it is part of your employer-provided benefits package. It is reasonable to feel confident in the benefits provided by your employer. But to be sure that your disability insurance will protect your finances properly in the event of a serious accident or illness, you should look closely at your protection to make sure it fits your situation; and as a resident, you may have specific needs that your employer-provided coverage simply cannot meet.