Disability Income Insurance What is disability insurance? Disability insurance is also called disability income (DI) insurance. If you become too sick or injured to work for an extended period of time, DI could help cover a portion of your income. It’s important to know that even if you have group long-term disability insurance through your employer, it may not be enough.Schedule a complimentary consultation to learn if an individual disability insurance policy is right for you. Schedule an Appointment How much disability insurance do I need? At minimum, your disability income insurance should cover your necessary living expenses. However, we will work with you to help you determine an appropriate amount of coverage.Factors to consider:Base salary, commissions, bonusesCoverage offered through your employerEmergency savings and other sources of incomeYour health, occupation, education and career plansContact us for more information about disability income insurance or to schedule a complimentary initial consultation. Contact Us Download a free PDF: Disability Income Insurance Basics. Check your email for the link. * indicates required Email Address * First Name * Last Name * CRN202103-243936.