Thanks. Seems to be what I'm finding so far. Am hopeful can find something that will cover me, even if only after needing an extended period of inegilibility and/or only having the claim last a couple years, as I'm seeing some policies have a two year mental health maximum. That is so weird to me. It's a medical condition, like any other.

I do think it 'could' be worth to pay a lot higher premiums, indefinately, if it meant I was getting 70% LTD coverage. As I said I'm hopeful to never need it but I want to protect myself and will regret not doing so, should I not get things in place.

Same on the mortgage protection insurance. I am going to get some quotes and see what I find out there. I'm planning to re-finance and it's mostly a 'new loan' product, but I've read some insurers will start a policy as late as 5 years into your current loans.

Thanks again, I'll update you. All of us that are working need to protect ourselves, and the psychological benefit of that in itself is actually a stabilizing booster.