Is Long Term Disability Insurance Worth It? 
Disability Insurance Protect You in the event that you are injured or become sick to the extent that you can no longer perform your work duties . In reality , disability insurance is paycheck protection . Social Security disability benefits can help , but not significantly . Employer sponsored group benefits may have short term disability that can supplement your cash reserves or your emergency money . Disability insurance can protect up to 60 % of your compensation with tax free benefits . If you qualify as a business , you may be able to deductible the premium cost and cover up to 80 % of your compensation , but taxable . There are several excellent long term care insurance companies in the U.S. Which one is right for you may depend on your gender , age , smoking status , health history and current medical condition ? It may also depend on the amount of benefit youre seeking . Using a bidding process based on your needs can help you select the right company . Is disability insurance worth it ? Yes ! 