Why Does Disability Insurance Never Pay 100 Of Your Income? 
Disability insurance is paid out on a tax free basis , for that reason it will pay you the `` net '' amount of your income that you are wishing to replace . Typically it is around 60 % to 70 % of your `` gross '' pay . Different companies will allow percentages between those amounts . Also you will not be needing commuting costs or other costs related to working . 