Disability insurance?

Hi all! I'm new here but have been freelancing for 2.5 years. Should I have disability insurance? I keep having scary visions of breaking my wrist on the ice and working with one hand. What should I look for? Any positive experiences with specific companies? FWIW I'm young, healthy and partnered (but not yet married) with a full-time student. No dependents. Any advice would be appreciated!

  • i tend to be anti-insurance so i am the wrong guy for this question, but if it's something you lose sleep over a little bit of coverage shouldn't shatter your bank account. the important thing is that you're having the discussion and understand all the sides of it.

  • Definitely losing sleep. Look forward to more perspectives, thanks for chiming in!

  • well if it's like that already I would spend the money and have the peace of mind.

  • i tend to be anti-insurance so i am the wrong guy for this question, but if it's something you lose sleep over a little bit of coverage shouldn't shatter your bank account. the important thing is that you're having the discussion and understand all the sides of it.

  • Definitely losing sleep. Look forward to more perspectives, thanks for chiming in!

  • well if it's like that already I would spend the money and have the peace of mind.