Does anyone have private LTD insurance? We got a quote for DH - $2600/year. It's a lot. This combined with what he has through work covers about 55% of his current salary. Imd rather not put in all of the #s, but I will say his work coverage alone would leave things very tight if he were so disabled that he couldn't be our child care provider. (Of course this assumes I stay at my current job and we don't try to do something to lower our fixed expenses like sell the house or move to a lower cost of living area.). I'm wondering if there are general things we should consider.