Who Is Eligible For Disability Insurance? 
To be eligible for Disability Insurance -LRB- DI -RRB- , you must have health that meets the company 's underwriting guidelines for that policy . It is harder to qualify medically for Disability Insurance than it is for Life Insurance , because so many more health conditions can cause a Disability than can cause a death . But a good Disability Insurance brokers can guide you to the right policy . You must also have an income in order to be eligible for Disability Insurance . Homemakers or others who do not receive a steady income are , unfortunately , ineligible for coverage . And some occupations will disqualify you . That being said , most people can get Disability Insurance and it is a very important part of a secure financial portfolio . A good Disability Insurance agent will be an immense help to you in determining whether you are eligible for affordable DI coverage . 