If you like to gamble, you could make a wager on getting or avoiding a disability
. Here is how it works. If you bet on having a disability and buy a policy one of two things can happen (50/50 chance): you either become disabled and get a HUGE financial benefit from your plan, or you don't get disabled and lose the small amount of monthly premium you spent. If you bet on not having a disability and don't buy a policy, one of two things can happen (50/50 chance): you don't get a disability and have a few extra dollars each month to spend or save, or you do have a long-term disability, and possibly lose everything you have when you lose your income. Think about the chances and the outcomes carefully, and then you decide how you want to roll the dice.