How Much Disability Insurance Coverage Do I Need? 
Most people feel that they need as much Disability Insurance as they can get , which is approximately 70 % of one 's regular income . The reason is , most people spend most of their income every month and feel that they could not get by on any less than that . If you only spend 50 % of your income on normal expenses each month , you could consider taking 50 % of your monthly income in Disability coverage . 