Why Does Disability Insurance Never Pay 100 Of Your Income? 
Insurance companies deal with risk . Moral risk is a problem that they also confront . If there isnt an incentive to return to work , the company could be paying benefits for an extended period of time . A drop in income during a disability is offset by lower taxes , lower expenses and a less vigorous lifestyle . Many find that their disability income pays a reasonable amount ; however , they are usually eager to return to work . 