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MY better half's brother use to be an insurance salesman. Several years ago, I asked him about disability insurance. His reply went along these lines:
You can purchase some junk disability insurance such as COMBINED INSURANCE which will pay some ridiculous pittance.....maybe $10/day. can buy some very expensive disability insurance that will cost you dearly .......say $200 month. Of course they won't write a policy for people in what the insurance industry considers "high risk" occupations.....farming, logging, construction, equipment operation, etc. He told me that basically they would only write a policy for office workers in excellent health.
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