How Much Disability Insurance Can You Get? 
Along with the 45-70 % that Peggy mentioned , many people choose to purchase other forms of insurance or DI to help make up for the remaining income that 's not covered . Critical Illness Insurance is often purchased so that the insured can receive a lump sum benefit on top of their monthly benefits . Also , you can purchase retirement plan DI , which will continue to make retirement contributions on your behalf should you be unable to work and make contributions to your 401k . 