Disability insurance provides you with financial security when an accident or illness causes you to be disabled and unable to work or earn an income.

Disability insurance replaces a portion of your income if you become unable, through injury or illness, to work. Policies differ on how soon you would collect benefits and for how long. They also vary in whether disability benefits are received if you can't perform the duties of your own occupation, a job in your field, or any job at all.

Although life insurance is payable in a lump-sum, disability insurance can continue to provide your family with monetary support while you are recovering. Disability insurance benefits are payable on a monthly basis, when the money is needed the most. Upon recovery from a disability, the policy continues. Benefits could potentially be payable again for subsequent disabilities or for the recurrence of a prior disability.