We're not lawyers, but we're pretty sure this is a thing you should have.
Disability insurance: it's like regular insurance, but for when you can't work because you're too busy having a bad day, or because your cat is holding you hostage.
Why do you need disability insurance? Well, have you ever had to choose between paying your rent and paying for your therapist? Yeah, that's a real thing.
Long-term care: Because Your Cat Won't Let You Leave the House or Short-term Disability: Because You Just Really Need a Nap