We all know those scenes from the movies: the ones in which the main character falls off a cliff, or a young couple has to deal with a serious illness. These scenes can keep us up at night thinking "what if that happened to me?"

Well, what if it did happen to you? What would you do if you suddenly couldn’t work? How long could you last if you didn’t have a paycheck? The likely answer is "probably not very long."

More than half of all workers today have less than $25,000 in savings, and a third have less than $10,000. If you suddenly lose your paycheck and have medical bills to cover, that nest egg won’t get you too far.

This is where disability insurance starts looking pretty great. It's like an emergency nest egg for your nest egg. It protects you by replacing a portion of your salary while you’re unable to work so you can keep paying your bills.

The short video above will give you more information about getting disability insurance through your employer. You can also check out the wealth of resources available at MetLife’s YouTube Learning Center to help you figure out exactly what kind of disability coverage will work best for you.

Sarah Fister Gale is a freelance business writer based in Chicago.