When Should I Drop Disability Insurance? 
The risk of becoming disabled increases as we grow older , so disability insurance can be even more valuable as you age . Granted , you may no longer have children at home , but most people depend on their paycheck to pay bills or meet financial goals , regardless of how old they are . There really is no reason to drop it until you have to -LRB- i.e. no longer earning a paycheck -RRB- . 