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Personal Finance > Health Insurance When you need your own disability income insurance policy: 2 of 4

Disability insurance doesn't generally cover specific expenses; instead, it replaces part of your income if you become disabled. This is important because if you become disabled, your monthly expenses may be even higher than they are now - especially if you need paid help at home, can no longer drive, or need prescriptions or therapy that are not completely reimbursed by your medical coverage. (http://moneycentral.msn.com/quickref/quickref.asp ?Cat=10&SelCat=2&RefType=0&QAMode=2&Topic=2&Sub=0) It is an insurance product designed to replace anywhere from 45-60% of your gr...
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