Remember all insurance policies are priced so that on average you loose money on them. That's how the industry works. So don't think its some game where you're out to buy as much coverage as possible and keep your fingers crossed you become too injured to work. You should buy the amount of coverage needed to continue your life in an acceptable manner should you unfortunately become injured. If your spouse has a pretty good job and your family could get by on a single income then you may not need coverage at all. And don't worry about you have to buy it now or never. People make money on selling insurance and you'll be able to find a broker at any point in your life to sell you a policy.
I agree mostly with the above....
except I think with insurance you should buy as much coverage as you can afford responsibly, so it can help to get a financial advisor, who isn't the same person selling you said insurance
and spouse and family should not make you think you don't need coverage
spouses and families come and go frankly, and even if they don't, you'd be surprised how little others will do to help you should you become disabled
yeah... in sickness and in health
also, unless you have worked paying into Social Security for about 10 years, or if like most people in medicine you've spent the vast majority of your adult life in school, if you don't finish residency or make it far as attending before disability, then you are most likely looking at ~750 dollars a month from SSI.... THAT'S IT. Sure, you might get $160 foodstamps, some utility assistance, and $400 HUD housing allowance on top of that. Not a lot to live on. Total crap actually. And if you're married to someone who works you won't be getting any of that help either for the most part. SSDI is a bit different since it's based on what you pay in, they don't have some of the same income caps so you can collect with a working spouse.
Anyone that ever made it to residency and then became too disabled to work, is looking at the very worst sort of poverty. Like suicide poverty.
And as far as losing money on insurance.... it's like car insurance. The point is that you are getting what you pay for: insurance. It should not be looked at like some sort of investment where you are going to see the money again. That's like paying a security guard to stand watch and then want your money back when no baddies show up during his shift. You're paying for a service. Look at insurance that way and the financial part of it makes more sense.
TLDR
get a financial advisor maybe
don't ever think you can rely on spouse or family financially or be prepared to be disappointed, or feel like a burden, neither is awesome
if you haven't spent years paying into SS, you need good disability insurance!
if you have to get SSI you'll almost wish you were dead rather than live on that
insurance, even life or disability, shouldn't be looked at necessarily as a way to "invest" money