Who Is Eligible For Disability Insurance? 
Normally , any person ages 18 through 60 , working full time -LRB- at least 30 hours per week -RRB- , earning at least $ 18,000 per year -LRB- gross , before taxes -RRB- , in an acceptable occupation , with an acceptable medical history and `` lifestyle '' -LRB- driving record , arrests , avocations etc -RRB- is eligible to buy disability insurance . Insurance companies differ in how these rules and guidelines are set , so it is best to speak to a knowledgeable insurance broker to sort through all these issues . 