re: Long Term Disability insurance

Depends on what she does as well, so hard to say if the price is good. It isn't terrible though. Who is it through? There is a lot more to disability policies than the coverage amount and price. Contracts differ quite a lot from company to company and definition to definition.

Also, check with the company on weather multiple people are insured with disability at her office. If so, some companies will offer a multilife discount.