Unfortunately, this advices is potentially too shallow to be useful, as (private/individual) DI is tricky.
For it to be useful long-term, you'll need to find a policy with both guaranteed renewal and guaranteed coverage increase as your income rises, before any chronic conditions appear (or are diagnosed) or things like car accidents occur and become pre-existing conditions.
There are other details that make shopping for a policy tedious/tricky, such as differences in "own occupation" coverage, post-disability inflation protection not being standard, and the fact that you probably want to choose a company that'll be solvent 40 years later (since there's no pre-existing condition exclusion-exception portability like for health insurance, AFAIK).
Meanwhile, while you're employed, those payments, which can be $50-$100/mo post-tax, may be a total waste, since your employer is likely paying for group disability coverage, and no (reasonably-priced) policy will double-pay. Usually, anything you get from Social Security (or any state-mandated) disability will also reduce the benefit. That is, the total from all sources will be capped by the most generous policy at somewhere around 60% of pre-disability income.
The market seems to be geared toward self-employed professionals, such as dentists, rather than the typical tech worker.
All that said, here's my advice: If your employer offers you a "tax option" or "imputed income" on the disability insurance premium, choose it (and if they don't offer it, ask for it). Paying the extra few dollars per paycheck in tax will mean that 60%-of-pre-disability-income won't be subject to income tax and would actually be close to a total income replacement.