<prompt> Human: My wife has DI through her employer, and I stay at home. But if I were to become disabled, it would still be a drain on our finances and affect her ability to work if she needs to take over any child care and household duties.Most DI policies Ive seen are structured as percentages of current income. Are there any that pay out flat rates?  <response>: No disability insurers are willing to insure someone without an income, because there is no incentive for the person to not become disabled and start collecting payments from the insurance company. It just becomes an administration nightmare of false claims. 