Disability insurance - when to stop

[RosieQ]

I really like the graded premium structures. In the proposal that I got they are far less expensive to start, and the total monthly/anual premium doesn't exceed the level price for 12 years! It takes about 20 years until I would have paid more under the graded plan. I'm planning to be financially independent about 10 years or so out of residency, so the graded premium makes a lot of sense. Maximal protection when you need it the most at a more affordable price when you need it the most, plus a growing premium for a little extra motivation to get off the policy as soon as possible. After I drop the graded plan I think I'll either keep a small level plan I also have vs an inexpensive group plan to help smooth out any bumps if I were to become disabled but without impacting the budget nearly as much.