The day I was hired I signed up for the best supplemental long term disability the company offered. the day I needed it I was glad. The company's complimentary plan would have run out long ago. Mind lasts until 65 when SS kicks in.

The down side is that once you get qualified for SSDI your LTD benefits are off-set by the SSDI, so you end up getting your disability amount, but it is divided between SS and the disability company, plus the tiny cost of living increases in SS.

And I am pretty sure pre-existing conditions were excluded, but it has been so long ago I am not sure.