Disability Insurance Why do I need disability insurance? Your income is your key to so many things. The basics like food and shelter, but also medical care, education, transportation, and the list goes on. A total loss of income would be devastating to most people. Where do I begin? Long term disability begins coverage after 6 months of injury or incapacitation. This means that for 180 days, you’re on your own. An emergency fund is your first line of defense. 3 months of income is a good start, but 6 months is ideal. How much disability insurance will I need to purchase? Most policies will offer coverage of 60% of your working income. The second variable is the number of years of coverage. This can vary from 1 to life in some cases. We will review your needs with you to help determine the amount of coverage that is right for your situation.Contact us for an insurance quote or review.