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How important is disability insurance, e.g. long-term, LTD? Employer offers none
(My wife works for an insurance broker in the US, so take that grain of salt with my answer) Disability insurance covers your income should you be unable to work.  Some disability will be paid before social security (so you get both incomes) and some will be paid after (so your insurance will fill whatever gap SS leaves) Everybody in the US gets Social Security, which has a disability provision you can use.  The additional disability insurance is a good idea for people with a family who will rely on your income for the future, or even for yourself should you work in a dangerous position. My family has it, and we consider it essential for our well being, but I consider insurance on many things a necessity not a luxury.  (except pet insurance, I find that to be a luxury.)