How Much Disability Insurance Can Be Bought?

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Disability insurance is a type of insurance that is available to provide income in the event a worker can no longer perform their work due to a disability. Oftentimes this disability prevents them from making money for a period of time (or in some cases for much longer periods).

There are specific rules as to what is considered a disability and how a person might qualify to receive the disability benefit. Short-term policies offer benefits for a short period—typically three to six months. Meanwhile, long-term disability insurance offers benefits to those are unable to work for a longer period—typically a period of over six months.

Limits to Disability Insurance Coverage

Disability insurance policies are designed


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