How Much Could Disability Insurance Cost? 
Another way to think about this question is , `` How much woulda disabling event cost you without coverage ? '' Considering Brandon 's well-thought out response to you , also thinking about the question from the darker side makes many of us uneasy inside though . -LSB- I do n't like to think something like that can happen , but it does . -RSB- From personal experience , I can tell you that disability insurance and critical illness insurance has a very real place in anyone 's planning who has a paycheck and depends on that paycheck for their living . Period . I am now 42 years old and at the age of 27 I delivered a very healthy baby girl - went home from the hospital after 4 days like normaland on the 5th day had a pulmonary embolism that locked up both of my lungs almost to the point of death . So instead of being gone from my job for 8 weeks on maternity leave , I was gone for almost 5 months . Without my DI and CI policies , it would have been a financially crippling event for my family . It was not expected - but it unfortunately happened . Brandon shared some very realistic numbers here for consideration . I applaud anyone looking into these ancillary policies to protect their planning . Sheryl Brown / @AshBrokerage 