Disability insurance provides critical income protection if you are unable to work due to a serious illness, injury, or medical condition. By replacing a portion of your lost income, this coverage helps ensure that you can continue to pay bills, cover living expenses, and maintain your quality of life during your recovery. With both short-term and long-term options available, disability insurance offers peace of mind and financial stability, allowing you to focus on healing without the added stress of financial uncertainty. You must qualify for this insurance.