Do you think you do not need private disability insurance? See financial planner Paul Ferraresi’s take on this:
You have an eight times greater chance of becoming disabled than dying before age 65, yet, you purchase privately a life insurance policy but not disability insurance. Disability is known as “living death”. Income drops and you cannot function fully. Remember, disability does not mean a wheel chair! Carpal tunnel syndrome is one of the largest causes of disability.
Read the rest of Paul’s post here.
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Just came across your blog and loved reading your posts, just keep posting stuff like this, you totally rock, keep such high quality posts coming!