Several years ago, I spoke with a lawyer who was receiving physician disability income benefits. He didn’t start out as a lawyer. He was actually a dentist originally, but a back injury ended his dental career. Fortunately he had disability income insurance with an own occupation definition of disability that allowed him to work in a new occupation and still receive the full benefits. He was able to live on the benefits and go to law school. Then he continued to receive the benefits while working as a lawyer.
This lawyer is quick to say that he would not have made it financially without the disability income insurance, but he still wishes he had done a better job of updating his policy.