[byoung2]

My wife and I have disability insurance and it is very reasonable (approx $120 a month for a benefit of about $11000 per month for me, and maybe $80 a month for about $7000 for my wife). It kicks in after 90 days and will continue to pay as long as you are unable to work in your chosen profession up until the end of your working years (65). People typically picture a broken leg in a skiing accident and a security guard can't work, but it is more appropriate for something like cancer or pregnancy-related complications that will prevent you from working for months or years.