1. 63333 POINTS
    Peggy Mace
    Most of the U.S.
    Unfortunately, a stay at home mom cannot get Disability insurance. Disability insurance is strictly meant to replace income that is lost due to a disability caused by illness or injury. For those who do not earn a monetary income, there is no income to replace, and regretfully, no opportunity to purchase Disability coverage.
    Answered on May 22, 2013
  2. 2180 POINTS
    Kelly Moser
    Social Media Strategist, Disability Insurance Services, California
    As Peggy said, a stay at home mom cannot purchase DI.  Most companies require that a person be working 30 hours per week in order to qualify for DI.  However, you can purchase critical illness insurance which would pay out a lump sum benefit upon the diagnosis of an illness.  It can be used at the insured's discretion (bills, mortgage, groceries, etc.)
    Answered on September 25, 2013
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