I would say that in most cases, your adviser is giving terrible advice. Unless you have enough money to pay your bills (including cost of living increases) for the rest of both of your lives, disability coverage is an important part of risk management. Probably more important than car or homeowners in terms of overall financial impact.
Think of it this way, if you have a goose that lays golden eggs, which would you insure, the goose or the eggs?? There are only 2 ways to generate income, you at work or your money at work. If you don't have enough to safely self insure (more money that you are sure you will spend in your lifetime) then you are putting all of your other financial plans, hopes and dreams at risk.
Just take a few minutes to figure out what you are currently spending, what expenses (college, new house etc.) you have coming up and what you make on your investments. Then take your expense number, inflate by 2-3% per year and look at how soon you will run out of money and ask yourself if you are comfortable with that.