Yes long term disability is a must have. I usually get it through my employer. When I was laid off last year I did have the option to continue the disability i

Yes long term disability is a must have. I usually get it through my employer. When I was laid off last year I did have the option to continue the disability insurance, but it was a bit more expensive that what I was paying as an employee. IIRC it went from $50/month to $100/month. What is nice is that my new employer picks up the tab 100%, but it is only 60%. Usually in the past I would pay a bit extra to get 75%, but that is not an option. I've never thought about private disability insurance before, but it is something that I should look into.