Terms of Use     

You need enough coverage to provide you with sufficient income to live on until you are able to return to work or receive other financial resources (retirement, social security, etc.). The benefits you purchase through a disability policy are quoted as monthly income that you receive if disabled. Consider your monthly income after taxes as the base amount you would need. Also pay attention to the premium amount. If you have other sources of income, that should be considered in the amount you apply for.

In addition to the monthly amount, you need to consider the length of time needed to collect benefits and when you would need them to begin. You can also factor in how much savings you have available and are willing to expend if you become disabled.

Don't buy more coverage than you need and can reasonably afford.  It is also a good idea to have the option in your policy to renew the policy at your discretion, regardless of your current health.