Who Should Have Long Term Disability Insurance? 
Everyone who is healthy enough and can afford to purchase disability insurance should do so . Disability insurance is paycheck protection . The most significant valued asset in every household is human value , the ability to earn money . Protecting your paycheck is one of the highest priorities in defensive planning . Depending upon your gender , age , smoking status , health history and current medical condition , you may pay between 3 and 5 % of your compensation with disability insurance . 