After meeting an old friend this morning who had discussed the above with me, here are some of my thoughts on the subject.
I suppose the government sanctioned plan is affordable but pay out too little to be meaningful isn't it? Translated, it means most of us cannot afford to be disabled. Good thing only a few would be visited by such a calamity. Bad thing you do not know if you had been selected. Therefore if you can afford it, you need to top up what Eldershield is providing. Now I need to look at the $$$ tables and decide on the trade-offs I can live with. In the end it would be an art. The dumb work is in the maths.
I am going to discuss the Aviva offerings with wifey later.