When Should I Cancel My Disability Insurance? 
Unfortunately , most people cancel their disability insurance when they can no longer afford it but still need it . The only time a person should cancel disability insurance is when they no longer need it . Meaning , they do not have to work for an income to survive . So , when you are debt free and independently wealthy , retired or have a stream of passive income whether you work or not , that is the perfect time to cancel disability insurance , not before hand as the risk will still exist . 