Newest Posts Other Blogs | MarketplaceDisability PolicyPosted on April 19, 2011.  I am 60 years old, working part time, have the disability policy. How to decide when to drop coverage? HAD disability policy for over 20 years; NOW near retirement, I cut down my WORK part time and have agreed to low income. I WILL CONITNUE to work part-time, if I am in good health. What factors should in my opinion, to decide when DROP coverage disability policy? You need to review your policy with your agent. You can keep the policy, but to reduce the coverage to your current income. The kind of policies sold 20 years ago, are not generally available today. It may be the coverage that you can not duplicate. Also, read the policy and see what provisions it has about your age and what he will pay if you become disabled. Some policies do not pay over a certain age. Finally, if you work part time to care, but do not need income, you can save premium dollars. However, if you work to supplement your retirement income, then you still need this policy, if you fall ill. You wisely assured of your ability to work when you were young and healthy. Good luck to you. Enjoy your semi-retirement! 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