Each year, you should take the time to consider the disability insurance that you have. Find out if you are getting the right coverage as well as if the coverage provides you with the best overall cost to you. Since your life changes every year, make sure you coverage keeps up.

If you have a life insurance policy, find out if that policy includes any type of disability coverage. Many policies will combine both life insurance with disability insurance, reducing your need for an additional policy, if the first one offers enough coverage.

When it comes to cost of living adjustments and your disability insurance, pay special attention to how this is measured. This will adjust based on what the Consumer Price Index is set at. In many cases, it can adjust quite a bit in just a matter of time.