Problem is that so much of this is unique to the kinds of insurnce you have and the state you live in. I'd not want to say it's impossible to help, but it's quite difficult.
You need to take an inventory of the kinds of insurance you have available to you first, and if you have home owners or auto insurance, call your agent to see if they can give you advice. True they are not experts on health and disability insurance, but they know about the industry in your area and can likely help you get started thinking about this from a good and solid starting point instead of a squishy one.
Also, does your employer have a human resources manager? Another good person to talk to. Is there an MS Society in your area? Are you in a large city? lots of questions, this topic is going to take a lot of local networking. napay
It would be really nice to be able to put links in here
If I have included a bad link, google the word "Scholar", click link for "Google Scholar". Search for the name of the paper and author in Google Scholar.