What Disability Insurance Should I Get? 
If you can only afford to get one type of Disability Insurance , getting Long Term Disability Insurance is generally the recommended choice . That is because you can get it to pay years , up to a lifetime -LRB- retirement age -RRB- of benefits . Most people can survive several months of no income , but would be devastated by several years of no income . Granted , Social Security Disability benefits may be approved after a year , but SSDI does not pay as much as private Disability Insurance , and you can get private DI benefits much faster . Also you can purchase your DI policy to cover your own occupation , so that benefits can be collected even if you can work at `` any '' job , but not back at your `` own '' job . 