mulp,

You have already received the benefit of disability insurance worth several hundred thousands a year for a dozen or more years
As I recall, the SSA says I qualify for about $600 a month in disability. lol
My family will only get a small fraction of what I could have collected.
I'm paying $160 a month for $17,000 a month in disability benefits until age 65. I can't spend near that much money and it will last me for life.
In Texas, disability income is protected.

Those are the safest possible investments you can buy, investments that will survive fraud or mismanagement unlike any private insurance, and the in the event of some massive clamity that has disasterous impacts on the world economy, your social security benefit is the one most likely to provide some benefit in the aftermath.
SS did not survive the politicians, the money is gone. I may not ever collect because there will be no money when I retire and I will not collect if I die before 59 1/2.
There is more stability in investments that are not protected by media propaganda.

it would be me for having to subsidize your survivor and disability benefits to cover your spouse and kids, and to subsidize your spouse's retirement annuity
I'm paying about $80 a month for $2 million in life Insurance and my estate is "Joint tenant".

My benefits are 5 times cheaper and pay out about 500% more.

__________________
President-elect Clinton fooled the American people