When buying Disability insurance you need to consider how many years you want it to last, how many months you want to wait from incurring the disability until you receive the first payment (elimination period), and how much of your income you want to replace.
You need to consider features like whether it will pay if you are able to go back to work but not are not back up to your old wages (residual disability), whether it will pay if you cannot perform your own occupation, and whether it has a cost of living rider.
Finally, you need to consider your budget and how much of the above you can afford, then pick out the features that are most important to you.
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You need to consider features like whether it will pay if you are able to go back to work but not are not back up to your old wages (residual disability), whether it will pay if you cannot perform your own occupation, and whether it has a cost of living rider.
Finally, you need to consider your budget and how much of the above you can afford, then pick out the features that are most important to you.