I have it. I pay about $500/year in premiums for it. Mine is professional-based (I forget the exact terminology) but if I were unable to do programming anymor

I have it. I pay about $500/year in premiums for it. Mine is professional-based (I forget the exact terminology) but if I were unable to do programming anymore, I could get another job while still keeping the insurance payout. I got it because I read a financial book that said you have a surprisingly high chance of being disabled for more than 6 months at some point in your life. Look into it more. RSI is quite common amongst programmers so it's not without its risks.