11.   Aside from California, only Hawaii, New York, New Jersey and Rhode Island have authorized use of disability insurance for childbirth leaves.

12.   Because he took out a loan to buy disability insurance, which the NCAA said is fine.

13.   After setting aside a cash cushion and finding health coverage, the self-employed person faces a jumble of life insurance, disability insurance and retirement planning choices.

14.   But no such rules govern companies when it comes to disability insurance.

15.   But long-term disability insurance for off-the-job injuries was not widely available because police officers are considered a high-risk group.

16.   But the couple lacked disability insurance.

17.   Childless couples or singles could opt for extra vacation time, college courses or long-term disability insurance.

18.   Disability insurance, on the other hand, is paid by workers through taxes on their paychecks.

19.   Disability insurance is used by some teams in the National Football League.

20.   Disability insurance is the decidedly dull, unpublicized cost of transacting business with ballplayers, especially as more sign eight- and nine-figure guaranteed contracts.