How Much Short Term Disability Insurance Do I Need? 
How much short term disability do you need ? Well , it 's going to depend on what you have on hand that is liquid and if you want to liquidate those assets . People buy insurance because they either do n't have the reserves or do n't want to sell reserves to meet an unexpected illness or injury . How much you need depends on how you would handle the situation ? All insurance , no insurance , a little of both ? The answer is your situation . 