How Much Long Term Disability Insurance Should I Have? 
Add up your monthly expenses for rent or mortgage payments , food , child care , utilities , entertainment , transportation , etc. . How would these things get paid if you became disabled ? Whatever amount is needed to cover your bare expenses should be the amount of Disability Insurance you purchase , if possible . If you are able to get more , and can afford more , it would not hurt to go up to the max as you would also have medical bills to pay if you were to become disabled . 