I have been an at-home-mom for over 20 years. Recently, my husband was diagnosed with cancer. He has disability (short and long term) but if we have to go to the LTD we will see a drastic reduction in our income. I will probably be returning to the workforce and the question now is as what? So, yes, our daughters need to have the education to be able to be self-sufficent if need be and I would also encourage everyone to check exactly what your disability coverage will be for your household. If you find your disability will only pay a portion of your income then you have to ask yourself, “ ... if I become disabled and go on disability will my household sustain itself on 50, 60 or 70 percent of my current income?” If the answer is no then you need a disability supplemental policy (something like AFLAC). Check your policies TODAY and get the coverage you need so that you won’t have to continue working if you have to say be on chemo or some other most unpleasant experience ...