Get your own disability plan. Consider getting your own AIA Trust Disability Plan. And it pays the same for both accident and sickness. The AIA Trust Plan features high benefit levels that were developed exclusively for the Plan. This coverage is a service from the AIA Trust to you.
Lower cost is part of that service.
I've had the plan for a long time. Perhaps you are under the impression that disability insurance is expensive. Subject to plan requirements and limitations. This is a very important feature of your coverage. You can choose to be paid for up to two years.