clipped from www.metlife.com
How Much Disability Insurance Do I Need?

You normally should plan on replacing at least 60% of your net after-tax pay and preferably 80% if you can afford the additional coverage. If you purchase disability insurance with after-tax dollars, your benefits usually will be income tax-free. However, be aware that if you have group disability insurance provided by your employer, these benefits generally will be taxable. Small business owners have special concerns and should consider talking to an expert about overhead expense policies and other special considerations.

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