How Much Disability Insurance Is Needed? 
How much disability insurance is needed ? The answer is going to vary by individual . Some consider disability income sufficient if it replaces 70 % of your taxable income , since often individual disability is tax free . You might need a greater amount if your insurance is taxable income . You also may need to look at inflation protection with your plan . But honestly , what ever you can afford and keep in-force is what you should consider as a minimum . Some income is better than no income and disability coverage should not be looked at as a all or nothing choice . 