A supplemental policy can affordably close the gaps but look at more than Aflac. An independent broker can provide quotes from several companies to compare.

It’s also important to get disability insurance when you’re young, as it’s easier to qualify and you can often get lower lifetime rates. Many policies will exclude disabilities caused by pre-existing health conditions or charge you a significant premium to insure you, so by getting in before those problems start to develop you can make sure you’re fully covered.

Most policies will also let you renew for life without a medical exam, although premiums may increase with age. It’s also good to get a future income option that provides for increased coverage as your salary increases without requiring an additional medical.