<prompt> Human: I just started a new job with an employer I plan on staying with for a long time private research university. I am eligible to buy up my long-term disability benefits. My employer provides the following:- short-term disability, for 6 months, provides 100 of my last working salary, at no cost to me- LTD provides 50 of my last working salary, at no cost to me- LTD Buy-Up provides 60 of my last working salary, at a nominal monthly cost 8mo approx for me at my current age and salary bracket. It also allows for a benefit up to 70 with all sources, including Social Security Disability Income SSDI.The waiting period is 1 year of service before you can make a claim - as in, the disability cant start before Im employed for a year. I dont need to do any evidence of insurability EOI if I opt to purchase now.Im currently single, age 34, and in good health. Is there ever a good reason NOT to purchase something like this? Other than the nominal cost for something I may never need to use, I cant see a downside.EDIT: Thank you for the responses! Sounds like Im going for it...you never know what can happen with your health.  <response>: I have it. It costs me almost 300 per year, but it gives me the peace of mind that if I were to become unable to work for whatever reason, I would still have income coming in. If I were to get t-boned on the road so bad that I cant work for a year, I would still be covered, even if the auto insurance of the other driver doesnt cover me. 