<prompt> Human: I know this is a bit dark but Im looking for advice. My partner and I make very different incomes, with my current salary at over twice his, but its going to be three times his once we have a kid and should go up from there as well. His income is capped due to a number of circumstances but to put it bluntly, were he to have to support us, wed need to move back to my parents house and give up our financial dreams. I have a large life insurance policy so that if something were to happen to me during pregnancychildbirth, he and a kid would be well provided for. While I would never give up my career, I know theres an off chance I could become disabled either temporarily or permanently due to having a kid, and I am not sure what financial protection options there are for that scenario.Assistant: Short and long term disability insurance can be purchased to protect you in this situation. Your employer generally offers some standard and some buy-up options and you can purchase the coverage privately as well. The likelihood of being permanently disabled in childbirth is pretty low, but if you are permanently disabled you would probably qualify for Social Security benefits. US Human: I know the likelyhood is pretty low, but since the financial consequences would be so great it behooves me to look into it I think. Ill look into the work options and private insurance- Ive thought about social security but I doubt it pays enough to cover my lost income.  <response>: My ex wife and I were in the same situation. She earned 10x what I did as an MD in a practice that put her in the top 5 of physician pay. I couldnt pay our mortgage on what I made. So we had a big ass policy on her. Thats what you should do, not because its likely to happen as a result of a pregnancy, but because it could happen for any number of reasons and youll be screwed if you cant work. 