An Umbrex member asked me last week if I’d recommend that she get disability insurance.
Short answer: Absolutely.
It is a bit of a hassle, but I would encourage everyone (in the U.S., at least) to get long term disability coverage. The process takes 4-6 weeks, and there is never a better time to start than right now. Cost is ~1-3% of annual protected income.
A good website to compare quotes is Policy Genius.
I discuss considerations in buying disability insurance and the factors that affect the price in Episode 157 of Unleashed.