I am grateful I had long term disability from my work teaching. It is far from complete, but it helps when added to social security and pensions. I could not get LTD through my husband's work, which would have been more comprehensive, because I had an MS diagnosis. I was walking and doing well at the time the agents came to hound us about taking it out....and then turned me off when they found I had MS. Left the house with their tails between their legs, deserved to do so, for not finding out a few more statistics about me before they came offering their wares. The whole thing made my husband and me bitter--to be "courted" by them, then let go suddenly when they found out.