How Much Disability Insurance Should I Get? 
The amount of Disability Insurance you can get is based on a percentage of your income . DI policies can offer up to 70 % of your income . Combined with Social Security Disability Insurance benefits , the total benefit might run even a little higher . Since your benefit is tax free , you do n't need to have 100 % of your salary replaced . And DI policies do not offer the option of paying 100 % of your salary , because they do not want you to lose the incentive to go back to work . The amount you should get depends on your circumstances , but most experts suggest 60-70 % of your income . 