Is Disability Insurance Worth The Money? 
The disability statistics on the average American are significant . The probability is high that you will experience 30 months of disability during your working lifetime . The average America has 90 days of emergency money . Is it worth it ? Go through this basic paragraph below and see for yourself . The first consideration is your health condition to qualify for disability insurance . The next step is to establish earned income . The third is determining the benefit limit for your compensation . Once you are pre-qualified in health , earnings and compensation cap , you should select which tax strategy you qualify for : you can insure up to 60 % of your compensation tax free with nondeductible premiums or insure up to 80 % of your compensation taxable with deductible premiums through a business benefit arrangement . 