How To Buy Disability Insurance? 
Disability insurance is part of defensive planning . You need to establish your elimination or waiting period and the length of coverage . Most working Americans have around 90 days of cash reserves , so 90 days would be a consideration for a waiting period . If you can afford long term care to age 65 , you should secure the coverage . But if it 's unaffordable , at least consider short term disability.The are several online brokerage companies that specialize in disability insurance and offer the most competitive carriers in the market . 