How Much Of Your Salary Is Covered By Disability Insurance? 
Along with what Peggy said , it 's important to note that you can always receive more benefit when you start making more money . Some people think , `` Oh , I do n't want to buy it now because I 'll be making more money in a few years . '' Do n't make that mistake ! You can either add a future increase rider to your policy -LRB- to avoid medical underwriting -RRB- , or you can just apply for a second policy when the time comes . 