What Qualifies You For Disability Insurance? 
The first consideration is your health condition to qualify for disability insurance . The next step is to establish earned income . The third is determining the benefit limit for your compensation . Once you are pre-qualified in health , earnings and compensation cap , you should select which tax strategy you qualify for : you can insure up to 60 % of your compensation tax free with nondeductible premiums or insure up to 80 % of your compensation taxable with deductible premiums through a business benefit arrangement . 