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How important is disability insurance, e.g. long-term, LTD? Employer offers none
The reason to have disability insurance is to replace your income if you become disabled and are no longer able to work.  For this purpose, it is kind of similar to life insurance where you want to replace your income to take care of people that depend on your income if you die, but now you are included in the people that depend on your income.   If your employer doesn't provide any disability insurance then it would be wise to look for some Long Term disability insurance.  Short Term disability is more expensive than long term and it is USUALLY better and cheaper to have a good emergency fund to provide for a short term disability such as being sick for a month and not able to work than to buy short-term.  As a web developer - you should be able to get long term disability insurance at a reasonable cost, unless you have some dangerous hobbies like forest fire fighting or shark juggling.