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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.