Personal Protection You have people that depend on you financially, college tuition to cover, and mortgage payments to make. So if you rely on your income, then you should know that disability income insurance can help you protect an estimated 45 percent to 65 percent of your income should you become too sick or hurt to work. 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, including bonuses and commissions. It’s important to know that even if you have group long-term disability insurance through your employer, it may not be enough. How much disability insurance do I need? At minimum, your disability income insurance should cover your necessary living expenses. However, it is recommended you work with a financial professional who can help you determine an appropriate amount of coverage.