Why Does Disability Insurance Never Pay 100 Of Your Income? 
The purpose of insurance is not to get ahead , but to compensate for what was lost . Therefore , insurance companies put limits on benefits so that people do not use insurance to come out better than they would have if they had not had the misfortune that caused them to collect on their policies . In the case of a permanent disability , it is hard to imagine any benefit high enough to compensate for that loss . But there are those who would recover fully , yet never return to work if they could continue to receive their full salary without having to labor for it . The latter is the type of activity insurance companies try to discourage by putting limits on the benefit . It is not just so their companies can make money , although I 'm not saying that does n't enter in . It is also so premiums can stay lower and the companies stay solvent for the benefit of all their policy holders . 