How Much Disability Insurance Should I Have? 
All disability insurance carriers have maximum coverage limits known as issue and participation limits -LRB- I&P limits -RRB- . To speak very broadly in terms of averages , this typically equates to 66 % of your gross earnings . The percentage is generally higher for lower incomes and lower for higher incomes . Issue limits are the maximum that you can have if insurance purchased through a single carrier is the only disability insurance coverage that you have . Participation limits are the maximum amount that you can have in coordination with coverage from other carriers . It 's advisable to target at least 66 % of your gross income in coverage , and any more that you can find and be approved for is seriously worth considering . 