Article on the Risk of Becoming Disabled
This article hits the nail on the head about how devastating disability is to families. Workers' Compensation, Social Security Disabilty, and group disability policies provide some benefits but they will not make you whole. You should also know that your employers' long term disability policy probably has an offset for any social security benefits you get so it doesn't even really help that much. If you can afford it, you should really consider purchasing a long term disability policy on your own that will combine with your social security or workers' compensation to come as close to providing the income you had before your injury as possible.