How Much Disability Insurance Should I Get? 
When deciding on your monthly benefit , it 's important to note that most carriers will only offer up to 60 to 65 % of your current income . You have to decide whether not you could sustain your lifestyle on any less than that , otherwise , it 's best to go with the maximum amount allowable . The average American only has 6 months worth of savings , so keep in mind that your cash reserves wo n't last forever . You never know when you 'll become permanently disabled . if that happened , you 'd want your benefit to be the highest possible so that you could maintain as much of your lifestyle as possible . If you want even more coverage , you can look into Critical Illness Insurance -LRB- pays out a lump sum -RRB- , Retirement Disability Insurance , and , if you 're a business owner , business overhead expense DI . 