Is Long Term Disability Insurance A Good Idea? 
Long Term Disability Insurance is a good idea if your income is needed to maintain a decent quality of life for yourself or your family . Everyone suffers when there is a disability , and even Disability Insurance does not replace 100 % of the income lost , so there is always going to be some hardship involved with becoming disabled . But if your being off work for more than a few months would cause your home mortgage to go unpaid , or cause your spouse to have to go back to work , or something else that would divert your family from some basic goals , then having Disability Insurance might be a good idea for you . 