Source: https://www.nytimes.com/2014/09/13/your-money/life-and-disability-insurance/flat-on-your-back-not-a-good-time-to-consider-long-term-disability-insurance.html?module=Search&mabReward=relbias%3As%2C%7B%222%22%3A%22RI%3A16%22%7D&_r=1