How Much Disability Insurance Can You Buy? 
How much disability insurance can you buy ? Well , here 's a secret that not many people know about . Normally , if you have group insurance and individual disabiliy insurance , it 's a combination between the two till you hit 70 % of your income.So if your group covers 60 % of your income , your individual will top out at 10 % . Now , if you have no group disability in place when you purchase individual , you can get up to 70 % in income covered . Then if you join a group plan , the two combine and can push the total well over 100 % of your income . So if you know kids finishing college or advanced schooling , get them to consider disability now ! before they go to work . 