I was sufficiently scared into buying a policy a year ago, now I'm sinking ~250/mo into yet another safeguard. Do you ever feel over-insured? Between the usual home/car and now the malpractice, umbrella, health, and dental, and disability, I'm overwhelmed. What are the chances of needing this? I know this is the million dollar question (literally), but really is it worth it? Do you and/or your partners carry private disability? Do you know anybody who has actually needed it? It was a nightmare going through the paperwork and finally get insured, but now I'm considering dropping it. Any thoughts are appreciated.