Disability insurance is a type of insurance that provides financial protection to individuals in the event they become unable to work due to a disability or illness. It offers regular payments, known as disability benefits, to replace a portion of the insured person's lost income. Disability insurance is designed to help individuals and their families maintain financial stability by covering essential living expenses, such as housing, utilities, groceries, and medical bills, during a period of disability when they cannot earn their usual income. This insurance is crucial for protecting one's financial well-being in the face of unexpected health challenges that may prevent them from working. Disability insurance policies can vary in terms of coverage, waiting periods, and benefit durations, so it's essential to choose a policy that aligns with your specific needs and circumstances.

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