Disability Insurance??

Hi all!

I'm just wondering, do any of you carry supplemental disability insurance, seperate from what your job may offer?

Being new to MTB and the chance I could get hurt and not be able to work, I'm wondering if this is something I need to look at more seriously.

For those that do carry it, who is your carrier and is it expensive?

I get some short term/long term disability insurance w/ my job. It is not much. I have another policy that I've carried since the early '90's that will cover me if I'm unable to perform at my current job. I guess I need to pull the policy and see what it actually covers and doesn't cover. it's been >10yrs that I've had it.

Just wondering what the thoughts on this forum were......
Any advice/thoughts/info appreciated!!!