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Should I factor unearned or investment income into my calculation?

No. Disability insurance protects you from loss of income when you cannot work. But investment income and other unearned income are not dependent on your ability to work for a living. They continue even if you are disabled, so they are not normally insurable under disability plans.

Use the menu below to view more about How Much Do I Need?

  How Much Do I Need?

Should I Factor Unearned Or Investment Income Into My Calculation?
Who Buys Disability Insurance?
How Much Does Coverage Cost?
How Do I Buy It Affordably?
When Do Benefits Kick In? How Long Will I Receive Benefits?
Insurers Typically Limit Coverage To 60% Or So Of My Pre-Disability Earnings. This Falls Short Of My Needed Coverage, Should I Become Disabled. Why Can’t I Buy Multiple Policies To Get Full Income Replacement?
I’m A Smoker. Do Disability Policies Charge Smokers More Than Nonsmokers?
Do Policies Charge Different Rates Based On Gender? Geographic Location?
Do Policies Cover Rehabilitation Services?
  


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