When Should You Drop Disability Insurance? 
When you buy disability insurance , you 're generally going to want to keep it for your entire working life or until age 65 -LRB- when most policies expire - there 's generally a hefty increase in premium to keep it beyond age 65 for policies that offer the option -RRB- , whichever comes first . The purpose of disability insurance is to protect your ability to work and provide an income for you and your family when you 're physically unable to do so . You may want to consider replacing your disability insurance with another disability policy if the new one offers better coverage -LRB- including a better definition of disability - e.g. the true own occupation -RRB- and/or a more affordable rate . I hope the information is helpful - please feel free to contact me for assistance with your disability coverage and if you have any other questions . Thanks very much . 