parenthood:%20an%20exhilarating%20rollercoaster%20of%20joy,%20challenges,%20and%20a%20few%20sleepless%20nights.%20In%20the%20midst%20of%20nurturing%20our%20little%20ones,%20preparing%20for%20the%20unexpected%20becomes%20crucial.%20Enter%20long-term%20disability%20insurance,%20a%20safety%20net%20often%20overlooked,%20yet%20essential%20for%20every%20parent%E2%80%99s%20toolkit.%20Imagine%20it%20as%20the%20invisible%20superhero%20cape%20you%20don%20when%20life%20throws%20its%20curveballs.%20This%20isn't%20just%20another%20item%20on%20your%20parenting%20checklist;%20it's%20about%20safeguarding%20your%20family's%20future.%20In%20this%20comprehensive%20guide,%20we%E2%80%99ll%20unfold%20the%20layers%20of%20long-term%20disability%20insurance%20and%20why%20it's%20a%20game-changer%20for%20parents.