Is Disability Insurance A Good Investment? 
Disability insurance is not really meant to be an `` investment '' . Disability insurance is meant to protect your most valuable asset , your ability to earn a living . Unless you are independently wealthy or have built a residual income stream that pays you enough money to live the rest of your life without any effort on your part , you need disability insurance . Most disability policies have limits up to 70 % of your monthly income in case of an injury or illness so severe you can no longer work . There are a lot of moving parts to purchasing a good disability policy such as waiting periods , elimination periods , benefit periods , both health and financial underwriting and it can be very confusing to the novice . I recommend using an experienced disability insurance broker who can help you navigate this maze of coverage . Never buy insurance based on price , it is about having the right product at the best price . Good luck ! 