Got life insurance? Probably. But how about disability coverage? It’s costly (about $100 a month and up), yet here’s why it’s wise, even if you work from home:
As a young parent, your odds of death are far less than your chances of getting injured or
ill and needing to pay someone to do your usual home chores.
If you work for yourself, you may also be forced to hire someone to be your substitute.
You’ll likely want to replace at least part of your earnings.
A short-term policy could let you take a paid maternity leave if you get pregnant. It can also be handy if you become sidelined by complications before the birth.