How Does Disability Insurance Work? 
Disability Insurance is a morbidity product that protects your ability to earn your current compensation , i.e. paycheck protection . Your number one asset is your ability to earn money to pay for the lifestyle you want . Disability insurance is paycheck protection and can generate a good portion of your income if you cant work . Most executive packages include full disability insurance coverage until age 65 . The odds are youll need it once during your working life . It can protect up to 60 % of your compensation as a tax free benefit or up to 80 % as a taxable benefit when the premium is deducted as a business expense . 