How Much Disability Insurance Should I Carry? 
Disability Insurance benefit is based on your current monthly income . You should calculate how much your current monthly expenses are and determine the net benefit needed . If you have Disability Insurance through your employer then you will need to determine if the benefit is pretax or post tax . A pretax benefit paid by your employer means that you will be taxed when you receive benefits . Your net benefit would be substantially lowered after you pay taxes . You can supplement your work policy with an Individual Disability policy to make up the difference to meet you monthly expenses . An Individual Disability policy is underwritten by the company so will have to qualify based on health , age , tobacco , your occupation , and amount of your monthly income . Each company will have limits as to how much of your income you can cover with your policy . The percentage is usually between 67 % and 70 % . You should work with an Independent Agent and determine the best option for you . They will need to know your expenses , income , and the amount of benefit needed . The Agent will need to look for the company that best fits your desired benefit . 