can music students get disability insurance like medical students who get $4000/month

wouldn’t such coverage be available by joining a musicians union or something like that?

I came here searching for this issue, after reading about violinist Rachel Barton Pine in a CNN report from two days ago. http://www.cnn.com/2016/04/13/health/turning-points-rachel-barton-pine/index.html?eref=rss_latest

with two kids both in music majors, should I be looking for this kind of insurance? my own insurance agent said the only thing she came up with are for “professional” musicians.