Have him check any policy out very carefully. I did and still got burned.

I had bought disability insurance for years in the event of an accident.

When I tore my ACL and had to have surgery and rehab I thought well at least I am covered.

Turns out the company decreed that since I had toughed it out, hobbled along and finished my harvest in pain, I suffered no loss of income. They did not seem to care that I lost out on my off season job. They did not consider winter time a loss of income for a farmer.

I was stunned at the lack of actual coverage.

Buyer beware !