How To Evaluate Disability Insurance? 
To evaluate Disability Insurance , you want to be sure to compare similar plans so that you are comparing `` apples to apples '' price-wise . You most likely want to include `` own occupation '' so that you can be paid if you can not perform your own job , not just any job . You will want a `` residual '' benefit in case you can work some , but not as many hours as before , or not produce as much as before in the hours that you work , or not make as much for what you do accomplish , due to your disability . You want to make sure it lasts as long as you would want , and that you most likely will have enough resources on hand to get you through whatever elimination period you select . 