Why Is Disability Insurance So Expensive? 
Disability insurance can be affordable , especially when you 're young and healthy . You need to view disability insurance as paycheck protection . Many working Americans have only 90 days in cash reserves , so disability insurance can bridge that gap in the case of an injury or sickness . Older workers may be bale to mitigate the cost of disability insurance by purchasing shorter time periods or longer elimination periods or a combination of both . 