How Much Disability Insurance Can You Get?

  1. 63333 POINTS
    Peggy Mace
    Most of the U.S.
    Your income and the individual Disability Insurance policy will determine how much Disability Insurance you can get. Most private, Long Term Disability policies allow a monthly benefit of 45-70% of your monthly earned income. Group Disability insurance usually will replace 60% of the base salary that is being paid to employees.
    Answered on May 22, 2013
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  2. 2180 POINTS
    Kelly Moser
    Social Media Strategist, Disability Insurance Services, California
    Along with the 45-70% that Peggy mentioned, many people choose to purchase other forms of insurance or DI to help make up for the remaining income that's not covered.  Critical Illness Insurance is often purchased so that the insured can receive a lump sum benefit on top of their monthly benefits.  Also, you can purchase retirement plan DI, which will continue to make retirement contributions on your behalf should you be unable to work and make contributions to your 401k. 
    Answered on October 21, 2013
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