According to the Social Security Administration, a 20-year-old has a 25% chance of becoming disabled before reaching age 67.
Employer plans typically pay up to 50% of your income. Is that based on guarantee or gross pay?
Would this cover the needs of your current lifestyle?
This limited coverage might not be enough to meet your bills, which is why you may want to supplement employer-based coverage with a personal policy. Supplemental policies may be purchased to cover up to about 70% of your income.
For reasons like this, supplemental pilot loss of license and disability insurance might be something to consider to help fill in these gaps.
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