What Are Some Things To Consider When Buying Disability Insurance? 
Some things to consider when buying disability insurance are : 1 -RRB- Do you want short term disability insurance , or long term disability insurance , or both ? Long term disability is recommended if you can not afford both , as the effects of being unable to work for many months or years is the most devastating . 2 -RRB- How much -LRB- what % -RRB- of your income do you wish to replace ? It usually makes sense to get as much as you can . 3 -RRB- Do you want to spend more to have Own Occupation feature ? If not , you will need to go back to work when you can do any job . With `` own occ '' you will be paid until you can go back to your own occupation . 4 -RRB- What about Residual Disability ? Getting a policy that offers Residual Disability enables you to receive a partial benefit based proportionate to the amount of income lost when able to resume working part time -LRB- unlike Partial Disability , which just pays a set % -RRB- . 5 -RRB- What does your policy cover ? Make sure it covers illness and injury , and review the conditions covered . 