Disability insurance covers you if you get sick or injured and are unable to fulfill the duties of your full-time job. Disability insurance is not only for those who work dangerous, physical jobs such as construction. Although it does cover serious workplace injuries, disability insurance can also apply to conditions such as arthritis, depression, and even pregnancy. If you’re the primary earner of your household, any potential loss of income can be devastating. Having a plan in place to fill in any loss of income can give peace of mind for you and any dependents. The disability insurance offered by employers can be limited. If your job provides bonuses or commissions, it’s important to know that most employer policies won’t cover any of those earnings. You can also be taxed on your benefits. Disability insurance can take a few minutes to apply for, and many providers even forgo the medical exam process.