Why Buy Disability Income Insurance? 
Because the statically probability is youre going to need it . Disability insurance is paycheck protection , but it can also cover retirement contributions . In general terms disability benefits can generate 60 % of your earned income tax free or if your company pays for it and deducts , generate 80 % of your income , but its taxable . Then in addition to protecting your earnings , you can cover your annual contributions to your qualified retirement plan . And you should . Disability is one of the most neglected indemnification products on the market and it shouldnt be . The statistics are so overwhelming that you will experience a disability during your working life that may force you out of work for 30 months . Disability insurance is really paycheck protection and should be purchased in tandem with term life insurance . 