ABC News: Is Disability Insurance Worth the Money?: See the little calculator, below. It focuses on the short-term shortfall, month to month. Another thing to consider: What's working worth, over time?
"'One way to look at it is that your income is probably your biggest asset,' Woods said. 'You insure your home, your car, your life. Your earned income is an asset that needs to be insured, too.'
LIFE has a calculator on its Web site at www.life-line.org/disabilitycalculator to help consumers determine how much coverage they need."