Why Does Disability Insurance Never Pay 100% Of Your Income? 
Why does disability insurance not pay 100 % of your income ? Well , in a way it does . Disability insurance is designed to replace your after tax income . Depending on how you funded your disability insurance and accounted for it tax wise , the benefit can come to you as non income . There is also a way to actually have more than 100 % of your income protected . You can buy your individual coverage before being covered by a group plan . The two can combine to leave you with more than 100 % income . 