Disability Insurance provides income protection if you are disabled either by sickness or accident and cannot perform the duties of your occupation in order to generate an income. This may be partial disability or complete disability. It may be temporary or permanent.
Disability income coverage fills a real need. Two million workers are affected each year by a long-term illness or injury. Think of the consequences of not having an income. How will you pay for your home, car, food and other living expenses?