Actually, yes. In fact, that may be the wisest thing you could do. Because there are additional safety nets in place for those who might become permanently disabled and unable to work at all, a policy that offers coverage for a specific limited period of time in case of a disability can be a smart move. Even though you might not be able to return to your previous position, you could possibly be retrained for a new position or an entirely new career. Disability insurance policies don't have to be written to cover a person to age 65. Consider your options, your risk, your budget and your family needs carefully before making a final decision, but many professionals recommend a five-year policy, citing the fact that most claim-worthy disabilities have a span only three years. Paying for more might simply be a case of spending money unnecessarily.