One thing you may want to consider if not offered by your spouses employer is disability insurance. This will protect you and your family in the event that you become seriously disabled. Typically, there are two types of disability insurance: short-term which covers anywhere from two weeks to two years, and long-term which covers periods of more than two years. Basically, it replaces your income if you are unable to work as a result of disability which can help prevent you from having to liquidate your investments and retirement accounts to pay for medical services.

