Hello, I have been looking at various types of insurance to better protect my income in the event I became disabled.

I have LTD through my employer. It has a 3/12 rule, meaning bipolar will be eligible only after 12 months of coverage (April 2017). It pays 60% of pay. I'm going to be requesting the full policy (yes, I already should know details but I don't...) so that I can see exclusions, terms, etc.

I am finding that some plans and coverages have mental health exclusions, either outright or limit benefit payout to 24 months.

Some of the products I've looked at include basics like STD and LTD additional coverages. I asked a broker and he flat out said you probably can't get non-employer based coverage for either type.

I have also looked at mortgage protection insurance, and credit disability insurance. (I think) these would pay mortgage and student loans and credit card bills, though again I think the max is 2 years for mental health.

I am not planning on becoming disabled anytime soon. I'm actually doing well after having an episode recently. I've made a lot of behavior changes that are really helping alongside meds. BUT, if in the future, 2 years, 8 years, 15 years, if I got sick enough I couldn't work I want my assets and income protected.

What are some of your experiences with insurances, STD,LTD,MPI,CID, or any other types, insofar as terms, exlusions, mental health provisions and limits, etc.

Thanks !!