Cannot bang this drum enough; if you're not already rich you should have term life and *probably* private long-term disability.https://twitter.com/__shale__/status/858914592331714561 …
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Like most US insurance arrangements you can't just buy through company so need agent. I used http://insubuy.com
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Takes about one phone call, one doctor's appointment, several emails, and a few weeks end to end for the LTD bit.
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interesting aside: my SaaS business acted as a disability benefit. Had chronic fatigue for several years early 30s, could only a work ~4hww
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Ditto during a few depressive swings; Garrett has a great article about this.
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