Dear Dave: Do stay-at-home moms need disability insurance?
Yes, they do. Unfortunately, they can't get it right now. Under current law, you must have an earned income in order to receive disability insurance.
Now, it's possible to get disability insurance if you have a business at home. In that case, you'd need to show two years worth of tax returns to prove that your self-employment was actually generating an earned income.
My wife's been a full-time mom for 25 years, and I know how hard she works and how much she does every day. Believe me, if she could get disability insurance, we'd buy it in a second!