How Do You Get Disability Insurance? 
The best option is to buy your coverage through an independent disability insurance broker . Disability insurance has many moving parts and are very customizable . Quotes are based on a number of factors including your age , gender , occupation , income level , any medications you may be taking , and medical conditions you 've been/are being treated for . When comparing quotes , the most important thing to understand in your coverage is the definition of disability -LRB- the best definition being a `` true own occupation '' definition -RRB- . This states what requirements must be met to have a valid claim on your disability insurance policy . I hope the information is helpful - please feel free to contact me for assistance with your disability insurance coverage needs , including quotes and policy analysis , and any other questions you have . Thanks very much . 