It is scary, but disability can happen to anyone without warning.
In the 'blink of an eye' an accident can change your life forever.
The 'BAD NEWS' from a routine doctor visit can forever be 'the day' a disability begins.
We all know people who have been affected by it.
Your paycheck / income is the BASE OF EVERYTHING YOU LIVE ON.
How long could you last without a paycheck while the bills keep coming in ?
If you have some type of coverage, do you really KNOW how much
of your paycheck would be covered and for how long it would pay?
Is your existing coverage short-term, long-term, base pay only, % based on what level of pay, lifetime, till age 65 ? Do you keep paying the premium if on claim ? etc.
The terminology can be really tricky if you don't deal with it regularly.
There is a good chance you can get better programs by shopping.
Do you know how little it would cost to protect your paycheck?
Maybe you should get a new competitive quote.