I've never in my full-time tech industry career had government-mandated disability insurance with a maximum benefit anywhere near my actual earnings, and volunt

I've never in my full-time tech industry career had government-mandated disability insurance with a maximum benefit anywhere near my actual earnings, and voluntary plans were not offered at most of my smaller employers. Additionally most disability insurance has a nontrivial waiting period that only covers cases where it's a single absence lasting weeks or months.