What Kind Of Disability Insurance Should I Get? 
They type of insurance you can purchase is determined by many factors including what type of job you have , your current health history , whether or not you have DI through an employer . When you meet with an agent , be open about how long you 'd be willing to live off your savings . Some people prefer a shorter benefit period -LRB- 2-5 years monthly payouts -RRB- , while others want coverage that will pay them until age 65 . 