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I have it. I pay about $500/year in premiums for it. Mine is professional-based (I forget the exact terminology) but if I were unable to do programming anymore, I could get another job while still keeping the insurance payout.

I got it because I read a financial book that said you have a surprisingly high chance of being disabled for more than 6 months at some point in your life.

Look into it more. RSI is quite common amongst programmers so it's not without its risks.

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