Most people don’t realize that they are eligible for disability coverage. Everyone knows that they can purchase private disability coverage, but the reality is if you have worked five out of the last ten years and you have paid into the system – in other words there have been withholdings from your paychecks – you could be eligible for disability coverage. What does that mean to you? It means health insurance coverage. It also means monthly benefits as much as $2,500 a month.