as a new intern with no medical problems, no spouse/kids to worry about, and no bills except future loan payments, is it worth it to get the supplemental disability insurance offered by my residency?
i know i should eventually get an individual policy before the end of residency, but i'm not sure if the residency program's policy is worth it. i know there's the advantage of not having to do a medical screening, but how does this help me if i'm going to get an individual policy later?
i guess my question is, in terms of my plans to get disability insurance in the future, is there any benefit to buying the policy offered by the residency program now?
thanks
ps similar question - is it worth it to get supplemental life insurance now? (the residency already pays for life insurance worth our salary ~44k)