Robuta

https://www.leveragerx.com/physician-disability-insurance/catastrophic/
Aug 28, 2024 - The most catastrophic disabilities are those that not only affect your ability to work, but also your ability to live independently.
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https://www.wlrn.org/npr-breaking-news/2017-10-11/why-a-long-term-disability-policy-is-more-important-than-pet-insurance
Though not as trendy as pet insurance, a long-term-disability policy is pretty cheap and can save your bacon if you have an accident, get cancer or otherwise...
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