I have life insurance and lots of it - enough to pay off everything I owe and put all my children through college.

I have a good disability policy, but it doesn't kick in until after 6 months. That six month wait keeps the premium "low" - about $1000 per year. But it includes occupational rehabilitation and pays until I can perform the same work that I was doing before the injury.

U.S.A. workers should be receiving a statement from the Social Security Adminsitration about a month before their birthday each year which mentions how much they would pay if you became disabled.
It's not a lot.