What To Look For In Disability Insurance? 
It is important for your policy to cover residual disability . That way , if you are only able to go back to work part time , or are not making as much as before because you are not working to your full capacity , you can still receive a partial disability benefit . You also want to insure yourself for your own occupation . If you are a computer programmer , you do n't want to have to take a job cleaning computers because you ca n't concentrate long enough during your recover to do programming . the `` own occupation '' feature will allow you to receive benefits until you can get back to your own type of job . 