You should buy Disability Insurance if you have an income that would be entirely lost if you were unable to work at all for a short or long period of time.
If your job is specialized and it would be very difficult for you to work or make a living at an alternative job, you could get Disability Insurance that covers your "own occupation" so that you do not find yourself working at something that makes you miserable for the rest of your life.
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If your job is specialized and it would be very difficult for you to work or make a living at an alternative job, you could get Disability Insurance that covers your "own occupation" so that you do not find yourself working at something that makes you miserable for the rest of your life.