i'm looking to get a long term disability policy but dont' know where to begin. I have lots of questions, lol. what's the best way to go about it? what are the options / costs / benefits? what is a good company to go with? do i need an agent? what considerations and future expenses should i think about in choosing? what about health insurance if i'm disabled and can't work? if i become disabled, am i insurable? what about long term care insurance in conjunction?