Think about this for a moment.  If you save 10% of your income (Americans average only 6% savings, so you have to be over 50% MORE disciplined than average), after 10 years you would save the equivalent of one year of salary.  Pretty cool.

If you were then disabled and did not have disability insurance, you would have to draw down on those reserves.  A single year of disability would wipe out a decade of hard work.

Or you can buy disability insurance for ~1-2% of your salary and get to keep the fruits of that decade of savings.  You don’t chose to become disable, but you DO chose to save, and you should chose to protect those savings.