How Much Disability Insurance Should I Get? 
Considering most policies will only cover between 60-75 % of your income , you should be applying for the max benefit . You 'll want to take account of everything you pay for on a monthly basis , as well as the costs that will accrue if you 're unable to work -LRB- co-pays , assisted care , etc. -RRB- . Also , keep in mind that you wo n't be making any retirement contributions while your not making paycheck ... 