Is Disability Insurance Worth The Cost? 
Disability Insurance protects your income . The average American becomes disabled once during their working years . That average time of disability is 30 months . Most Americans have 90 days of emergency money . Depending on your gender , age , smoking status and health condition you could pay 5-8 % of your income to protect your income . 60 % of your compensation tax free -LRB- because you didnt deduct the premiums -RRB- and 80 % of your compensation taxable because you deducted the premium through a business . Is that worth it ? 