How Much Is Enough Disability Insurance? 
Enough Disability Insurance is what you can afford , and what you need to keep from suffering major consequences if you were to become disabled . The most you can collect from a long term disability policy is about 70 % of your current income . Most people do need that full amount . Other decisions to make in selecting your policy are how soon you want to be paid the benefit -LRB- elimination period -RRB- , how long you want your maximum coverage to last , and what features to include in your policy . Most people choose an elimination period of 3 months to keep premiums down . 