Not sure where you work, but many unionized airlines offer Long Term Disability insurance through their company or union. Ours used to be through the company, but it wasn't that great. The union found a better program, so we cut a deal with the company to split the cost of the program between the pilots and the company (it's about a 3-1 split, so the pilots pay most of it). We pay out about 3-4% of each paycheck in premiums. Should you need to collect LTD, the program will essentially replace about 65% of your gross pay (in other words, your take-home pay is about the same).
As you can see, this program is NOT cheap. As a younger pilot, I used to complain about paying $2000 a year so that some old dude could enjoy his $300,000 boat while collecting LTD. However, the program has also been a lifesaver for younger pilots who have been off work due to illness or accident. One younger pilot was off about four years due to a near-fatal motorcycle accident.
Many LTD programs have a limit on "how long" you can collect LTD. The better programs are quite expensive.