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	<title>New answer on: How Much Disability Insurance Do You Need?</title>

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		<title>By: Larry Gilmore</title>

		<link>https://www.insurancelibrary.com/disability-insurance/how-much-disability-insurance-do-you-need</link>

		<dc:creator>Larry Gilmore</dc:creator>

		<pubDate>Sun, 18 Oct 2015 08:15:09 +0000</pubDate>

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		<description><![CDATA[How much disability insurance do you need? Well, the answer will vary depending on the individual and what they have asset and investment wise and how willing they are to liquidate those assets. As far as how much or how long or how soon is a function of looking at your situation and finding something that works for you.]]></description>

		

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		<title>By: David Racich</title>

		<link>https://www.insurancelibrary.com/disability-insurance/how-much-disability-insurance-do-you-need</link>

		<dc:creator>David Racich</dc:creator>

		<pubDate>Fri, 24 May 2013 15:18:08 +0000</pubDate>

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		<description><![CDATA[Disability insurance is paycheck protection, but it can also cover retirement contributions. In general terms disability benefits can generate 60% of your earned income tax free or if your company pays for it and deducts, generate 80% of your income, but it’s taxable. Then in addition to protecting your earnings, you can cover your annual contributions to your qualified retirement plan. And you should.
 ]]></description>

		

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		<title>By: Ted Ratliff</title>

		<link>https://www.insurancelibrary.com/disability-insurance/how-much-disability-insurance-do-you-need</link>

		<dc:creator>Ted Ratliff</dc:creator>

		<pubDate>Fri, 24 May 2013 11:17:32 +0000</pubDate>

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		<description><![CDATA[There are guidelines as to how much disability insurance a person can purchase.  Generally between 60 and 80% of earned income.  I would purchase the maximum allowable.  To keep the premium down you can use longer elimination periods.  Determine how long you can function without the income and then purchase a policy that doesn&#039;t start until the end of that period.  For example, if you have enough liquid savings to pay 30 days of bills, then select a 30 day elimination period.  An elimination period acts as a deductible.]]></description>

		

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