What To Look For In Disability Insurance? 
There are a few main components to consider when purchasing disability insurance besides the normal reputation of the agent and the ratings and reputation of the insurance company . The first component is the elimination period . This is the amount of time between your medical diagnosis of being disabled and the time you begin to receive benefits . The most common are 30-60-90-180 days . You need to be sure you have enough savings to last until your benefits begin . The second component is the benefit period . This is the period of time that once the benefits start they will continue to pay . The most common benefit periods are 2 years to 20 years . Some policies pay to age 65 or now 67 when your social security benefits start . I recommend the later . The third component to consider is premiums . The above to dictate your monthly or annual premium . If the premiums are stretching your budget too far and an emergency causes financial hardship and are forced to drop your disability insurance coverage , then it was just an exercise in futility . I recommend using an experienced independent disability insurance broker to help you navigate your choses . It can be a rather complicated purchase if you are not familiar with how disability insurance works . Good luck . 