Should I Get Mortgage Disability Insurance? 
I am not a big proponent of mortgage disability insurance . It is just too limiting . The only reason to purchase mortgage disability insurance would be a guaranteed issue policy because you are uninsurable . Otherwise just purchase short and/or long term disability insurance and use the proceeds however you want . Benefits can be used to pay mortgage , medical , utilities or anything you choose . The cost is not much different for the same waiting periods and benefits . 