How Much Disability Insurance Should I Buy? 
Disability insurance is typically based on 60 % -70 % of your gross income . Since the benefit , if payment is set up correctly , is tax free . Therefore you need only replace your take home pay . If you can only afford to a partial replacement , it is usually better to take a longer waiting period and a higher payout . The other consideration is length of disability payout . You can get 2 years , 5 years or to age 65 or 67 . Speak with a life professional to see what best suits your needs . 