How Much Disability Insurance Should I Have? 
You should purchase the maximum coverage based on your compensation . Disability insurance maybe one of the most important defensive financial products you should have . It 's basically paycheck protection.Most working Americans do n't have enough emergency money to sustain them during a period where they have no income . Some employer sponsored benefit plans include a short term disability plans . Some employers offer long term disability insurance to their executives as a retention and recruitment tool . 