For most individuals, the loss of pay either permanently or for an extended period of time would be financially devastating. In addition to this, if you become unable to work because of an injury or illness, very often you will require expensive medical care. It then becomes very important that you have disability income insurance. There are several things to look for in a good disability insurance policy. The monthly benefits should equal approximately sixty to seventy percent of your gross pay. A policy that does not immediately award benefits will have a lower premium. A good plan will pay you when you are unable to work at your regular occupation as opposed to any occupation, and make sure you are covered for both accident and sickness. You may wish to choose non-cancellable renewal. Consult an insurance professional for more information about disability insurance.