How can I ensure that I have adequate coverage?

Make sure that your policy can be renewed every year
Know that if you are disabled, yet able to work part time, you will still receive coverage
Choose a waiting period (elimination period) of three to six months, to keep the premium down, and then set aside a nest egg for that time.
Make sure you will be eligible to receive coverage until the age of 65, when your retirements will kick in.
Make sure that the policy will pay if you cannot perform the work in your field.