You should consider several types of insurance to protect your household:
Disability, property & casualty, life, and long-term care insurance are discussed later in this chapter.
Medical malpractice and legal insurance are described in the employment contract chapter.
Health, dental, and vision insurance are typically provided by your employer. Speak with your human resources representative for coverage details.
Insurance policies offered through an employer, known as group policies, may expire when you leave your job. Also, many employer-provided policies offer limited coverage, so it can be advisable to supplement them with private insurance. This applies in particular to disability and life insurance policies. When you obtain your own portable private insurance, you don’t lose it when you change jobs—as long as you continue to pay premiums in timely fashion.