How Much Disability Insurance Do You Need? 
There are guidelines as to how much disability insurance a person can purchase . Generallybetween60 and 80 % of earned income . I would purchase the maximum allowable . To keep the premium down you can use longer elimination periods . Determine how long you can function without the income and then purchase a policy that does n't start until the end of that period . For example , if you have enough liquid savings to pay 30 days of bills , then select a 30 day elimination period . An elimination period acts as adeductible . 