1. 63333 POINTS
    Peggy Mace
    Most of the U.S.
    Dave Ramsey expressed an opinion about Disability Insurance in April of 2011 that you can read here: http://www.daveramsey.com/radio/highlights/?urlVars=2011/4/20/Why-Get-Disability-Insurance. In a nutshell, he recommends having Long Term Disability Insurance due to the devastation caused by becoming disabled and the chances of it happening.
    Answered on May 26, 2013
  2. 2180 POINTS
    Kelly Moser
    Social Media Strategist, Disability Insurance Services, California
    Another good source to read (from Dave Ramsey) is this: http://www.daveramsey.com/articles/article/articleid/four-must-have-insurance-policies/category/lifeandmoney_insurance/. He goes in depth about the top four must-have insurance policies, along with why each is necessary.  As Peggy said above, Dave Ramsey DOES suggest you get long term care insurance, and that you should start by getting it from your work, if possible.
    Answered on November 12, 2013
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