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This simple tool estimates the income you would need to maintain your current standard of living should you become disabled and unable to work

How much disability  insurance do I need?

Your most important assets is not your home, your car, your jewelry or other possessions.  It's your ability to earn a living.  Think about it:  All of your plans for the future - from buying a home to putting your kids through college to building a retirement nest egg - are based on the assumption you will continue to earn a paycheck until you retire.  But what yould happen if those paychecks stopped?  That's where disability insurance comes in.

Individual Disability Insurance

Those whose employers do not provide benefits, and self-employed individuals who desire disability coverage, may purchase policies. Premiums and available benefits for individual coverage vary considerably between companies, occupations, states and countries. In general, premiums are higher for policies that provide more monthly benefits, offer benefits for longer periods of time, and start payments of benefits more quickly following a disability claim. Premiums also tend to be higher for policies that define disability in broader terms, meaning the policy would pay benefits in a wider variety of circumstances.

High-limit Disability Insurance 

High-limit disability insurance is designed to keep individual disability benefits at 65% of income regardless of income level. Coverage is typically issued supplemental to standard coverage. With high-limit disability insurance, benefits can be anywhere from an additional $2,000 to $100,000 per month. Single policy issue and participation (individual or group long-term disability) coverage has gone up to $30,000 with some companies.