A policy to cover 2 years of benefit of 4 k per month costs me around 150 a month. After 2 years you could be on permeant disability.That is very expensive to get enough to make a living. I can't get it now because of an anuto immune disease. But it's expensive in this line of work. That is a great thing to have though. Just have to make extra to afford it. I mean You start getting over $2000 per month and the price is going to be up there.