What To Know When Buying Disability Insurance? 
When buying Disability Insurance , you should be sure to get a policy that pays if you are unable to perform your own occupation . Otherwise , your policy will not pay the benefit unless you are unable to do work of any kind . If you are moving up in your career , purchase the option to add increased benefits without having to qualify again medically in the future . There will be concessions to be made , so look at what is most important to you and keep those features in your policy and cut others . E.g. . If you only have 1 month of income in savings , you might want to choose a 1 month elimination period and cut corners somewhere else . 