Baygroup Insurance

Maryland's premier Long-Term Care insurance agency

How much disability insurance do I need?

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Many experts recommend that you should choose disability coverage that can replace 60-80% of your after tax income, although this is an individual’s decision.

To estimate how much disability insurance you will need, consider how much money you would need to cover your monthly living expenses.  Consider how your work, medical, education, and personal expenses would be affected by a disability.

If you are still having trouble estimating the amount of coverage you would need, you could try using this Disability Needs Calculator from MetLife or contact us and we can help you get started.