What Are Some Things To Consider When Buying Disability Insurance? 
Disability insurance is paycheck protection . Purchasing the maximum benefits is dependent on your annual compensation . Long term disability is the preferred form of paycheck protection , but not everyone can afford it . So , short term disability insurance can provide some income if yo ca n't work . The elimination period defined when benefits start . Your cash reserves can help you determine how long the waiting period should be . If you have vocational specialty , the `` Own Occ '' provision can coverage your skill set . 