Ask HN: Disability insurance for programmers?

I had a meeting with my insurance agent today, and they pushed disability insurance pretty hard. I know that's their job to sell, but it makes me think: is disability insurance for a programmer a good investment?

I work for a small company and it's not a benefit, and I work from home. The risks (relatively) are small: eye problems, debilitating hand injury, etc. But they are still real. Is disability insurance a good thing to have? I'm 28, but I don't have any notion of invincibility either. Are there any good options for a low risk job like sitting at home all day working from the computer?