Re: can I pay into an insurence or something so if I become disabled I could collect?
I just came across this post. The answer is "Yes" but it's not that simple. There's always a Pre-existing Condition" clause. Often 12-36 months that you must pay premiums before you can collect any benefit. I worked at the same place for 21 years and put $12.50/paycheck into a MetLife disability account. I did this for YEARS because my dad had MD and I knew I might some day. It paid off.....I'm collecting 67% of my pay, tax-free (so it's like 90% takehome). I assume also you've paid into Social Security. The MetLife plan worked pretty good for me when I had to leave. Look into it. But you will HAVE to apply for Soc Sec as well. This kicks in at 6 months from the day you "retire" at which point Metlife will reduce the monthly checks by the difference.
Also, John Hancock offers Long Term Care (LTC) insurance in case you ever need someone to come to your house or, God forbid, you end up in a nursing home. Hopefully that day's a long way off for us but I'm paying premiums on that just in case. Care can cost thousands every month!
Good luck on it. I could probably answer more questions if you have any.