Premiums are paid to age 100. That means you pay no more premiums, and at death the benefit is paid to your beneficiary. Perhaps your family is well protected in the event or your death. But what would happen to your death. An individual disability plan will provide you and your family with income while you're unable to work.
Some plans cover injuries but offer only limited benefits for illness-related disabilities.
For example, a surgical nurse who loses the use of his or her hands because of arthritis might be covered for only a year or two. Then, benefits would cease because the nurse could still work as, say, a real estate agent even though it's completely unrelated to the nursing profession.