How Much Disability Insurance Should You Buy? 
How much disbility insurance should you buy ? A combination of the most you can get and what you can afford . If you already have group insurance in place , usually you can only buy up to 70 % of yourwagescombined between individual and group . If group is not in place you can buy individual coverage up to 70 % and combine with group later to actually insure more than 100 % of your income . The hard part with how much coverage should you buy is how much will it cost ? Getting the full level of coverage can be pretty hefty as far as premium goes . 