<prompt> Human: Were ages 29 and 32, healthy, both lawyers. Were in the process of buying term life insurance and the guy were working with is suggesting we get disability insurance as well. Hes a CFP but hes not doing a full plan for us, and we arent in a fiduciary relationship, so Im wary. On the other hand, income replacement for long-term disability seems like a good thing to have and, like life insurance, will only get more expensive. The quotes and terms were getting seem reasonable?My work covers me short-term and up to 40 of my income after 6 months, which is nice but isnt much when you consider that expenses are likely to go up if Im disabled, not down. My husband also has some coverage at work and could buy more. If we buy more for him, it will not be through the broker as even he admits he cant compete with the discount Hs work offers, and it follows him even if he changes jobs. I would love to hear from any others who have done the math on this, either way. Im leaning towards yes, but Id hate to get suckered into something we dont need. What should we be thinking about and looking for beyond price?  <response>: Long term disability for me was cheaper than short term disability. I pay 10 a month for long term disability insurance, but passed on short term disability.LTD will cover up to 60 of my previous salary should I become unable to work for longer than 90 days. That would be enough to cover my monthly debt repayments and living expenses, with the assumption that my emergency fund and my medical insurance is covering all the other bills incurred.For me, ten bucks a month was worth the peace of mind knowing that if I was critically incapacitated for more than 90 days, I wouldnt be totally up shit creek in regards to my last outstanding debts. 