I wouldn't go so far as to recommend not getting disability insurance, but folks should know how much of a scam it is. I know of two folks personally, and many

I wouldn't go so far as to recommend not getting disability insurance, but folks should know how much of a scam it is. I know of two folks personally, and many more folks second hand, who have battled to get disability insurance they are rightly owed. The insurance agencies will do everything they can to prove you are a fraud, like have private investigators tail you for weeks to collect photos of you doing things that people who are disabled obviously can't do. They'll go to your door to trick you into talking to them, they'll talk to your friends and family and colleagues and clients behind your back. They'll track your car. Both cases I know personally ended up giving up on collecting insurance due to the full-time nightmare it required. One even moved overseas to get the insurance company off their back years later.