How Much Long Term Disability Insurance Should I Get? 
When purchasing long term disability there are two factors to determine how much to purchase . Most disability insurance companies will allow you to purchase enough benefit to cover up to 70 % of your current income . That is always the optimal amount to purchase . However , the second factor usually determines the amount . How much monthly premium can you comfortably afford ? The best disability insurance plan is worthless if you ca n't afford the premiums , drop or cancel it and then become disabled . 