How Much Disability Insurance Should I Get? 
Disability insurance is extremely important . The street vernacular calls disability insurance paycheck protection . With most Americans have less than 90 days of reserve cash for expenses , it important to buy as to the maximum limits . The first step is to determine your legitimate earnings to establish your compensation . Then you have an important decision to make : pay the premium after tax for a tax free benefit of up to 60 % of your compensation or pay the premium pretax for a taxable benefit up to 80 % of your compensation , provided that you have ability to use the premium as a legitimate business deduction . Depending upon your gender , age , nonsmoking status and good health condition you should be ready to pay 5 to 8 % of your compensation . 