OF all the types of
One reason is that most people who have it got it through their employer and have given it little thought. Another is that people are not likely to go out and buy it on their own because it is so expensive, the exception being certain occupational groups, like doctors. Yet it does serve an important purpose in replacing a portion of your salary if you get hurt or become sick and are unable to work for several months or more.
Read full article at http://www.nytimes.com/2012/10/20/your-money/life-and-disability-insurance/determining-if-disability-insurance-is-necessary.html?pagewanted=all&_r=0
people are thinking about, may be the last on the list.