I carry disability insurance, as well as liability insurance. I have both through NSO. Here's an # you can call for more info on disability ins. --- 1-800-986-4630, it's called Nurses Income Protection Plan and can pay as much as $2,000.00/mo if an illness or accident keeps you from working.
I never thought I needed the extra insurance until I required surgery after an softball injury, requiring 2 months off my feet. I found out then, a bit too late, my employer only paid 1 day for evey day I've been employeed, and then at only 60% of my income. At that time I'd been employeed 3 yrs giving me only 36 days compenstaion, at $67 dollars/day compared to making $112/day normally. As you can see it didn't cover the entire 60 days i was off, nor was I compensated at my full pay. This was very hard on me and my family, I got behind on my bills and on top of dealing with recovery I was stressed by the lack of income coming in. With the NSO plan you can keep the plan even if you change jobs, unlike employee benefits, it pays in addition to what your employee benefits pay and there's an easy application to fill out, no medical exam necessary. I hope this helps you