At that point you're probably better off investing the money and hoping you don't need it in the first ~10 years. Even if you need to invest more than that 3% to get the same "cover", if you don't end up disabled you can use it for an early retirement. The money spent on insurance is gone forever.
The math doesn’t work out. If you save 3% of gross starting at age 22, get 8% returns, and target 50% of gross for disability income you only cross the threshold to make it to 65 at age 56.
Like all true insurance, we’d expect disability insurance to be expected value negative but this isn’t something it’s practical to self insure.
