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If you haven't yet, the first stop before determining how much disability insurance you want is Considering Disability Income Insurance.

After that article you may realize that social security will possibly not be enough to take care of you through a disability. Now it is time to determine how much of a disability benefit you would like to receive from your disability insurance. Your estimated spending, income, investments, social security disability benefits and your partner's income are all things that you need to factor in when determining what disability benefit you want from your disability insurance. Included is a sample disability benefit worksheet. Check it out at How to Determine What Your Disability Benefit Should Be & Sample Worksheet

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