Which of you has disability insurance?

With a Dread Disease insurance, however, only predefined events = illnesses are covered. If you fall off a ladder and are unable to work, you get nothing from it.

A Dread Disease insurance is very attractive for everyone who already has problems with disability insurance due to pre-existing conditions. In addition, I have a Dread Disease insurance along with three different disability insurances. I cannot increase the disability insurances any further, nor can I get another one.